WillisBack/dataset-financial-user-claim huggingface dataset:
For seven years Bank of America and for two years XXXX XXXX XXXX XXXX has been attempting to do predator refinancing with me. They do this by, refusing to give me twenty year fixed rate VA loan, by trying to charge excessive interest rates on conventional loans, and attempting to getting premium spread interest on 30 year conventional loans. They have also, denied me a remodification of my loan through Harp XXXX times during this period of time. When I try to refinance with another Bank or Mortgage entity. They will not sign the settlement. This is predatory lending, Race and Age Discrimination.
Caller has been calling me at work saying he is working for some company but is working for cash call sayinguf I dont pay them they will send me a court summons and the guysaid that cash call will only work thru him and wo n't work with a credit management which us wrong cause I am working with a credit management and they are working with cash call who I do havdakoan thru I just want him to quit calking my worj
This account is not mine and does not belong to me. I have contacted the creditor and I have contacted the credit bureaus. XXXX XXXX and XXXX are the only bureaus that have this account deleted.
XXXX derogatory reports from the state of SC were expunged from my credit report without any problem. Afterward, Equifax decreased my credit score by XXXX points. I had no other changes in my report that would cause this to happen. My credit score should have increased rather than decreased. I tried to talk with someone from Equifax , but the conversation went in circles without being resolved. I also faxed over a letter requesting an answer to explain why an improvement in my credit history would cause my credit score to decrease. I feel that I will need to get a higher authority involved to solve this problem. I feel that I have been discriminated against and my rights are violated.
XX/XX/2018 Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX RE : XXXX Credit Card Limit Decrease To whom it may concern ; I am writing to you about the recent actions you have done that has caused major damage to my credit scores. The same factors that you have stated that impacted my credit score, Synchrony Bank did the same damage to my score to have my credit score drop many more points.

My XXXX credit card had a credit limit of {$1600.00}, to which I only had a balance of {$800.00}. I have been paying my payments on time and I did not have a high debt to limit ratio balance on this card. When Synchrony made the decision to lower my credit limit from {$1600.00} to {$850.00}, Synchrony created the exact negative impact on my credit report that Synchrony claim to be against. Before Synchronys action against my excellent payment history with XXXX, I was at 50 % usage to my credit limit. Now that Synchrony Bank has lowered my credit limit, Im at a usage of over 90 % to my credit limit. 

My credit report is supposed to be use to tell the truth about my spending habits. Synchrony Bank actions have falsified my credit report to say that I am using over 90 % of his available credit when in fact I was only using 50 % of his available credit limit. 

With the facts being stated above, I am asking Synchrony Bank to re-evaluate this process and to reinstate my credit limit so that the negative downward spiral of my credit scores can stop and return to moving upward in a positive manner. 
I do not believe the Synchrony Bank is in the business to intentionally damage the credit scores of the XXXX credit card holders or any individual that make payments to them for their clients. 

Thank you,
A default judgment was taken against me while I was dealing with my child 's injuries ( emergency surgery, XXXX XXXX XXXX ) from a devastating car accident. The judgment was for {$1400.00}, but I only owed {$380.00}. I paid the {$380.00}, but think it is unfair that they sued me for over XXXX times the amount I owed.
I am writing to express my dismay and anger over the recent security breach at Equifax, and their response to it. 

It is bad enough that these private entities are allowed to profit off of MY credit history information, but then to have them handle that information with such negligence is infuriating. 

After the fact, their attempt to profit off of their own mistake by enrolling people in a credit monitoring service is just icing on the cake! 

The gall of these people! 

Please consider ways that you can provide better protections to the little guy, people like me, from abuse, negligence and fraud on the part of these banks, credit organizations, and others.
On XXXX/XXXX/XXXX, I was contacted by Cavalry regarding an old XXXX XXXX credit card. It is past the statute of limitations for collections. They contacted me at a phone number that I never gave to them nor authorized that they could use. They said that they could n't sue me but even though I said it was past the statute, the representative argued with me and said that they would still report this account to the credit bureaus. I have attempted to have Cavalry remove this account from my credit reports as it is past the statute of limitations but they refuse.
I was notified that the company was calling family members about me so I called them. They did not have the correct date of birth. I explained I had filed bankruptcy and to call my attorney. They were notified on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX. At XXXX on XXXX/XXXX/XXXX they left a message threatening to inform my employer. I called again at XXXX trying to explain I had already provided them the information about my attorney. I was hung up on. I called again at XXXX and was told company policy was that it took XXXX and they would continue to call me and my family until then. I explained again I had filed bankruptcy and I was hung up on.
On XX/XX/XXXX, an unauthorized transaction occurred on my account. Money was withdrawn in person at the Chase at XXXX XXXX XXXX, XXXX XXXX, LA XXXX. I live in XXXX, TX  and did not make this transaction as I was in XXXX at the time. I requested information about his transaction occurred via chase online message XX/XX/XXXX. Chase response was that I will receive a reply within five business days. I have not received that reply and it is XX/XX/XXXX.

I also contacted the local branch with this information via phone so I can be advised how this transferred occurred The first phone call was on XX/XX/XXXX. A manager received the details but has not called back with this information. I called again on XX/XX/XXXX. Still, no reply The individual who made the transfer did not have my  account number so it is my assumption that a teller at the local branch provided my account number to the person making the withdrawal. This is a serious breach in information on Chase 's part, and there are probably other instances where information was shared/released to non-unauthorized parties on my and other customer 's account. 

Chase has issued a provisional credit, which can be reversed at any time. Therefore I am still waiting on a response as to what happened and how the matter is to be corrected.
Portfolio has been calling me for years attempting to collect a debt that is someone else 's and not mine.
Inquiry- XXXX XXXX Inquiry-XXXX XXXX Inquiry-XXXX XXXX XXXX Inquiry-XXXX   Inquiry-XXXX These inquiries need to be deleted from my transunion credit report I tried contacting them and their customer service would not help and take care of the negative inquiries reporting to to my credit report that should not be there when I tried To let them know that these should not be on my account
XXXX XXXX XXXX ( XXXX ) - I paid off the attached debt to the creditor. Once my check cleared I contacted the account to verify if my account was updated and information forwarded to the credit bureaus. I was informed XXXX  does not update the credit files with partial payments. I advised the account I was only aware of the balance of {$750.00} and inquired of the difference. The XXXX  collector advise she wasn't sure of the difference therefore I disputed the balance of {$130.00} with the account. To date I have to received an explanation of the remaining balance. 

Once XXXX advised they did not update partial payments to the credit bureaus I forwarded the information to the credit reporting agencies directly XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX. All three had updated my file to reflect the correct balance however when I checked my report with Equifax today I've noticed the full amount of the account was re-established on my credit report ; which is erroneous.
XXXX XXXX, my student loan company, sent me an email saying they have given me two months forbearance on my loans due to natural disasters in my area ( mud slides and fires in XXXX XXXX ). I never agreed to this. I was not asked if I would want this. This would mean my loans would accrue interest without a payment made to my principal balance. I now have to call to be taken off forbearance causing me an extra step for something I did not ask for. This seems like a plot to make some money on people who are not closely monitoring their accounts. I have attached the email.
I applied for a conforming, 30 year fixed mortgage from Chase.  I am a partner in a 400 person firm, have been employed without a break for over 30 years, have a hefty bank account, putting 66% down on the house, have XXXX the loan amount still in the bank after close.  XXXX Chase tells me the debt service threshold is exceeded, then it's my company's acquisition that's the problem, then my XXXX income, and after 60 days of going back and forth, asking me for the same info over and over, Chase changes the term of my loan, making up "exceptions" Based on the above, and making excuses on info they have for 60 days. I paid for and locked into a 3.75% rate, 0 points, and now after 60 days, they are trying to charge me XXXX points for the same terms.  
They have left me with no alternative for other funding due to the contract date coming up.  Someone in Private Banking at XXXX says Chase is XXXX, I'm a model borrower, tons of assets, excellent income, liquid assets, but now I feel I have no recourse.
XX/XX/2018. I was notified I owed a debit, I did not make.
XXXX XXXX XXXX ( XXXX ) XXXX contacted me on XX/XX/XXXX stating that my accounts was 95 days over due for an XXXX payment. I've paid on-time and over the minimum balance ( see below ) since XX/XX/XXXX. After inquiring and requesting details, the Customer Service team was confused and couldn't answer the XXXX payment. XXXX  was unable to resolve the issue and I'm concerned this will effect my credit rating. 

XX/XX/XXXX Amount Due : XXXX Paid : XXXX XX/XX/XXXX Amount Due : XXXX Paid : XXXX XX/XX/XXXX Amount Due : XXXX Paid : XXXX XX/XX/XXXX Amount Due : XXXX Paid : XXXX
I tried to take out a loan with ace cash express. They told me I had to send a fee that would cover the loan if I was unable to pay. {$240.00} later, I never received the loan and I was out my money. I made numerous phone calls to them and they told me they would not refund my money and there was nothing I could do. I will never do business with them again. They scam their customers and take advantage of their difficult situations. I struggle to get by as a single mom and I thought this would be the answer, clearly I was wrong.
The lender has stated as of today XXXX/XXXX/XXXX the clients file was denied due to the active sale date on the loan - I advised the lender that this file has been in review for over 2 months with them continuously requesting docs to be updated and provided - I was advised on XXXX/XXXX/XXXX that the sale date was on hold/postponed and the file was in review, that noting was needed for that review. We have left several messages for the relationship manager assigned to the file with loss mitt with never receiving a response - I spoke to a rep today that advised the loan was denied a modification because of the sale date and that I should just resend the package and hope for the best ....
This letter is formal notice that you have failed to respond to my online dispute submitted On XX/XX/2016 I submitted a dispute with Transunion to validate a debt showing on my credit file. They have not responded within the XXXX day limitation for disputes. The debt has not been validated in any form and I am demanding it be removed before I take further action with the Federal Trade Comission. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA.
Found on my credit report medical bills I did not know about. On top of that they are on two separate names which is more confusing. Several months back I called and said I 'm willing to pay my debt but they need to remove it from my credit report at which time they refused. I do n't think it 's fair that they do n't tell me that I have this debt and just send to credit report without notifying me first. 

On XXXX : COLLECTIONS XXXX XXXX {$250.00} Opened XX/XX/XXXX XXXX XXXX {$590.00} Opened XX/XX/XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX XXXX XXXX {$180.00} Opened XX/XX/XXXX On XXXX : XXXX XXXX {$180.00} Opened XX/XX/XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX XXXX XXXX {$590.00} Opened XX/XX/XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX I have not seen my XXXX credit report so I 'm not sure what is on there. 

And why are they using two different names I do n't understand this. I feel as though they are trying to purposely damage my credit. If I had known about these that I would have paid them plain and simple. The fact that they absolutely refused to take them off my credit report even after I pay is ridiculous. I really need help dealing with them as they have made it plain and clear that they have no regard for what they have done to damage my credit.
Apartment Complex termination of lease. I had to move out due to a job offer in a different state. I have a signed Lease Contract Addendum stating that I will not get charge early termination fees or other fees and that I agree to pay {$2100.00} at a set payment. However, the apartment complex charged me early termination fees and other fees that apply and now I have a bill for {$6600.00} dollars which was sent to a collection agency back in 2009. I 've been trying to get the collection company to call me so they can correct the amount trying to be collected, I have called the apartment complex and they said they no longer work with that collection company and that the manager that was working there at the time is no longer there. They pulled the account and they said I was getting charged fees for early termination and others, however it is no longer their account and I need to deal with the collection company. They are hurting my credit report and I can not buy a house because I can not settle the account with the proper amount and start payments. 

They are reporting {$6600.00} Correct amount {$2100.00} I have a document stating that with signatures.
I have submitted an identity theft block to Experian, XXXX, and XXXX XXXX. I faxed and sent certified mail the complaint, affidavit, rules, and letter requesting to block the account associated with the identity theft. All three credit reporting bureaus have refused to block it
For years I 've have had multiple issues with the loans now being serviced by American Education Services. Initially, the loans were taken out by my mother but she used my personal information and forged my my signature. I did not find out about the loans until after I graduated in XX/XX/XXXX. Since then I have made over {$13000.00} in payments to different service companies, only to see my outstanding balance increase by {$14000.00}. In the past, they have told me the interest and late fees has accrued so much that any payments I 've made get applied there only.
Just recently, I completed my XXXX XXXX  program and the loans came off deferment. I have made {$2700.00} in payments since XX/XX/XXXX all of which were applied to interest and fees. I called and tried to make payments in the past, but they told me they could not accept my routing number and required I mail checks and then charged me a late fee. 

My husband is not receiving a paycheck now and the burden of these, combined with the misinformation and shark lending practices makes me feel as if I 'll never be able to get from out of debt. To have paid as much money as I have paid over the years only to have the balance greater than when I first found out about loans that were n't even signed by me has called significant stress. However, when I have inquired about the fact that I never signed for these loans I was told the only way to resolve the issue was to prosecute.
I have recently received notification that Barclays card is looking to gain a settlement regarding a debt that is not mine. I never authorized a card ( XXXX XXXX ) with Barclays. I also never received a card, bill, or any other notification in the mail regarding an account in my name with Barclays. I was initially contacted by a debt collector after this debt was approximately 6 months past due, however, in conversations with them, I discovered that the address and my birthday listed on the account were incorrect. The information incorrectly listed me at an address in Indiana at that time the card was open when in fact I lived in Illinois. I explained this to the debt collector, however was never given any additional information. I also disputed this with the credit reporting agencies as I have never used this card and never authorized this card. In discussions with the debt collector, I was informed that the card was used and paid on time for several months before the payments stopped. However, I never made any of those charges or any of those payments. I have tried to contact Barclays to gain information regarding the account, including account opening information, statements, and payment information, but have not been able to speak to anyone who is able, or willing, to assist me. As this information is being reported negatively about me on my credit report, without properly notifying me that it could be. I never received any statements in the mail or through an email address, and again this account was not opened by me, had incorrect CIP information which should have triggered this account to not open, and I never signed any information agreeing to a contract between myself and Barclays Card.
In XX/XX/XXXX, I was notified by my credit monitoring service that a credit application, in my name, had been received and was being processed by XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, ( XXXX ) XXXX. Requested On : XX/XX/XXXX.  Inquiry Type : Individual. This was my first indication I was a victim of identity theft. 
This thief or thieves listed my previous XXXX residence as their home address, and a mailing address in XXXX, XXXX. Although I was able to circumvent this unlawful credit issuance with XXXX XXXX, and they notified the three credit bureaus, EQUIFAX seems to have incorporated the false background information into my real background information. In XX/XX/XXXX, I got a copy of my EQUIFAX credit report which showed my current home address as my former XXXX residence and my current mailing address as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, the same information provided by the identity thief to successfully open a credit account with XXXX XXXX. I submitted a dispute of information with EQUIFAX, but when I attempted to examine the email result of their investigation, I was denied access to the report as I had provided information that does not match our records in the security verification. I have subsequently contacted EQUIFAX representatives on two separate occasions to resolve this issue, but on both occasions ( Confirmation Numbers XXXX and XXXX ) I was asured there was no derogatory information in my credit file, they advised the security questions were gleaned from my credit file. I insisted this information was corrupted by the identity thieves, but EQUIFAX continues to rely on this false information, as I still get the same access denial when I try to access their reports.
We live in Florida and had to evacuate for Hurricane Irma. Our area was declared a disaster zone and we were told that mortgage companies were required by the federal government to give us a 90 day grace period on our mortgage payments because of that. We contacted our lender, Mr. Cooper, and they confirmed that this program was available to us. They immediately put us in some kind of forbearance/deferment which they confirmed in writing. At the end of the 90 days, they declared us in default and demanded immediate payment of three months ' worth of mortgage payments. We contacted them and they're saying that we have to apply for refinancing. In other words, they're not moving the three payments we were given grace for to the end of the loan. It doesn't make sense that they would expect us to have all three payments available since the whole purpose behind this program was to compensate for the fact that we weren't able to work while our area recovered.

We've talked to Mr. Cooper several times and they're refusing to work with us outside of forcing us to refinance. They've accepted several payments from us, but they're still forcing the issue. We don't think this is just or in the spirit of the law. It sounds like a scheme to try to take our house.
I am writing on behalf of my XXXX XXXX XXXX mother who has XXXX accounts at FirstMerit Bank in XXXX Ohio. The bank was recently acquired by XXXX Bank. XXXX sold off branches as part of the deal and any customer that supposedly had an account at a branch that was sold was being transferred to the acquiring bank which is XXXX XXXX. 
The XXXX XXXX branch was sold and my mothers accounts were included in the sale. Problem is she never opened an account at XXXX XXXX which is XXXX plus miles from her home. She was slammed into a branch that she never used I think to bolster a weak branch up for the sale and transfer to XXXX XXXX. My mother is not mobile and this puts an undue burden on her to do her banking. I and she wishes to keep her accounts at XXXX. I feel this was a sneaky and unfair, deceptive, and abusive action to benefit FirstMerit at the expense of an elderly and defenseless woman.
Hi cfpb, I am not responsible for this debt to Home Depot, why is it on my report? I never had a credit card with Home Depot, my husband and his son did in 2007 and my husband closed the account due to his son not paying for this card like he said he would. His son should be held responsible for it not my husband who is legally XXXX in 2007 and had to close this account. 
I never signed anything with Home Depot or anyone else for that credit card. Not mine and should be removed from my report. Thank you.