WillisBack/dataset-financial-user-claim huggingface dataset:
About six months ago, my credit rating experienced a sharp drop even though I had made no purchases, opened no new accounts, or taken any other applicable action for many months prior to that unexpected and unjustified reduction. 
I contacted each of the three major credit companies and received a response from only Equifax. But their response did not address my question at all ; they merely sent me a copy of my credit file ( many many pages of past accounts ). My review confirmed that there was no obvious justification for a reduction I went back to Equifax three times since then, explaining that I didn't want anything more than an explanation of why my credit rating had been reduced ; but all I received each time was a two-page letter that said the results of their Reinvestigation was : " Please be specific with your concerns by listing the account names, numbers, and the nature of the dispute '' all of which, each time, completely unresponsive to my request. 
It seems absolutely ridiculous that the formulation of a credit rating should be based on such obscure criteria that the public can never figure out why a reduction or increase has taken place. I believe it is critical that whenever a change is made to a person 's credit rating, the credit bureau should be required to notify the person affected exactly why the change took place - especially these days when so much of what happens in a person 's life depends on his or her credit rating. The current system is almost as bad as if a doctor refused to tell a patient what exactly made him sick, even though the doctor knows full well exactly what the cause was ( How can a patient possibly avoid the same problem unless made aware of what caused the sickness? ). 
In any event, I would definitely like a simple answer to my very simple question : What caused the reduction in my credit rating??? Thank you
On XX/XX/2018 An attempt to increase my credit with Discover was made. The decision was denied due to " insufficient credit history. '' Twice since the account has been opened, increases previously we're made to the account. This is a violation of the ECOA ( Equal Credit Opportunity Act ) under FDIC Compliance section IV 1.1 " a lender may not refuse to extend credit or use different standards in determining whether to extend credit. '' This is far from definition to be fair lending practices set forth by the FDIC. My credit report is far better then previously when the small increases to the account we're made. Which leads me to believe that I am a victim of financial discrimination. As a consumer I would like Discover to be fair in they're practices and adhere to the regulations set forth by the FDIC. This is unjust and illegal. Please investigate.
I had opened the US Bank account with the promotion ( {$150.00} promotion ) if i meet the required conditions ( like direct deposits of {$500.00} or more etc.. ) - all the terms and conditions are met now. The promotion code was applied and the account was opened before the XXXX XXXX ( promotion deadline end date ). When i am inquiring about my promotional bonus - I am getting excuses from them that something is missing ( like account type is not the promotional account type ). The account type is silver checking which is covered. But i do n't see that bank is willing to offer the promotional bonus of {$150.00}.
As of XX/XX/XXXX, I had a balance of {$2700.00} on my XXXX XXXX XXXX XXXX. The balance started with a {$8000.00} promotional purchase of items for my small business 3 years ago. Shortly after the purchase, XXXX XXXX ( the retailer ) ended their relationship with XXXX, so the line of credit seized to exist. I've kept current on payments since the beginning. Then, on XX/XX/XXXX, a finance charge of {$4200.00} appeared on my account. Apparently, as they now state, the balance had to be paid in full by the 3-year mark or I would owe deferred interest on the {$8000.00} at a 29.99 % rate. To add further insult, they claim that for months they have made a bold notice on my statements that this would occur. This company sends me an email every month that does have a link to login ; however, in the email itself is included all financial information anyone would need ... balance, amount due, and due date. Even when logging in to pay, there is no mention of this promotional period ending unless you specifically go to an online statement ... Which, again, nobody would do given that all relavant information is given on every other page and the emails. I called the company to ask for a short extension to allow me to pay the balance ( even a few days ) without being hit with this predatory fee, but multiple people told me there was no chance of that. The newest statement now tells me that if I pay the minimum payments ( which is currently $ XXXXmo ) the payoff will occur in 22 years and that I'll be paying {$25000.00}.
I have had my US Bank XXXX XXXX XXXX XXXX card for over a year now, and was charged the {$60.00} annual fee right away which of course I gladly paid due to the benefits it was advertised to come with. 

However, soon after paying, the first week of XXXX, XXXX XXXX & US Bank announced that they were no longer going to be offering the " Award Night Benefit '' of the card. The benefit was that if you booked a XXXX night stay on points and you had their credit card, you got the XXXX night free. This is right after I paid my {$60.00} annual fee for that benefit! The value of my card is now cut in half but my fee stayed the same. I called and was only offered XXXX points. I was told they could not waive the annual fee or give more points even though it 's a clear violation of the card terms I signed up under. They were violated right after paying the fee. The card is now worth XXXX of what it used to be. If that. Now I 'm finding out that other people received the fee waived plus XXXX - XXXX bonus points and I feel like they not only violated terms but XXXX me and ripped me off as a business customer. 


The terms said, " Bonus Award Nights - When you redeem Gold Points for XXXX or more consecutive Award Nights, your last night is free. XXXX Exclusively for cardmembers! " Note the " EXCLUSIVELY FOR CARDMEMBERS '' ... However, that 's false advertising because they now took that away! 

It also said, receive all of the benefits by paying your {$60.00} annual fee. Which I paid, and now I do n't receive those benefits. 

Thank you.
I opened a new account at Citibank in XXXX XXXX and at first I was a victim of fraud and then the second thing melwas I deposited a check because I sell things on XXXX and someone pay me by check and it bounced so then I got a deposit it two more checks at an ATM when was a third-party income tax check for {$290.00} the other was a XXXX XXXX credit card check for someone that bought things from me and I helped XXXX XXXX XXXX so that was also like on XXXX first thing told me that they would release {$200.00} then in a couple more days of the deposit was made on duty on XXXX XXXX in a couple more daysrelease {$400.00} called so where are you going they called XXXX XXXX XXXXwere the check was drawn on to see if the check would clear and XXXX XXXX 's of the check was good they still would n't release it because they wanted to talk to the person that wrote the check and do like a 3-way conference call XXXX XXXX so we do n't do that so they still have my account on freeze said it would be released XX/XX/XXXX or the XXXX came around they still wo n't release it and she 's the branch manager told me that the only person that can release me sit is the fraud department so I called the fraud department the next day and they still wo n't release it they said they told me I needed a notarized signature from the third party income tax check so I told them why have power of attorney because the person is a vet and an advocate for veterans and they were in the XXXX XXXX at the VA because of her XXXXXXXX XXXX and ca n't get out so I had power of attorney they still release it so then they said that I needed they needed a signature from the woman that wrote the {$2000.00} check so I went and got a notary signature for the one with the {$2000.00} check and took that nto my bank last Thursday which was the XXXX and they were supposed to fax it over to the fraud Department well I checked and they did n't do it they did n't do it so on Friday and every time I tried to call the bank no one answers so on Friday the XXXX that someone I had someone from the fraud call the branch that is at I mean the branch I use and they said that is taken care of and the check was mailed to me well I never got any check and so I called again and I keep getting the runaround from people they would n't tell me anything they said I have talked to the fraud department and then they said now they want more documents so I 've about had it there 's no reason that you should have so now they 've had to check the for one month they have not released any of my fiunds. and this is Citibank and the branch that I meant to it is like XXXX XXXX & XXXX XXXX XXXX zip code XXXX so now I 'm back to square one trying to find more documents for them but the checks have been cleared for over two and a half weeks it 's absolutely ridiculous there 's no judgement to keep my account Frozen there 's no reason why they ca n't come give me my money
XXXX is reporting to the credit bureaus that I have a balance with them from an old account for {$910.00}. I am trying to clean up my credit report, so I have called XXXX to make a payment to clear this. The representatives at XXXX are telling me that they no longer have this debt in their office, and do not provide me with any way to pay the debt. Since they will not accept my payment, it is unfair for them to continue to report it on my credit report.
On XX/XX/XXXX I received a call from one of my retail cards, XXXX, asking why I am changing my address and phone number on my new account. I confirm that I did not change that information and contacted each one of my accounts. I discovered the address, phone number and email address had been changed on every one of my retail credit cards. There were two address used XXXX one in XXXX and and other in XXXX XXXX addresses were reported to all three credit bureaus- even after I reached out to them and put a fraud alert on my credit accounts and credits reports. On XXXX XXXX, an unauthorized purchase was made on my XXXX account and shipped to the XXXX address. I had XXXX intercept the package and retail it to the retailer. On XXXX XXXX, the address was changed on my XXXX XXXX account. XXXX XXXX reported that a purchase was attempted but the purchaser could not verify the personal information on my account, so it was declined. There are multiple credit inquired on my credit report that I did not authorize that go back as far as XX/XX/XXXX and the defrauders used an incorrect variation on my name XXXX XXXX XXXX XXXX. I have locked all of my credit accounts and frozen limits. However, I wanted to buy a house and need to apply for a mortgage in less than 30 days. I will continue to monitor the situation but I need help.
My loan was recently sold to another co mpany ( LoanCare ) an d I was surprised to learn they are bumping up my loan by about $  XXXX /month.   They are telling me they have the right to charge a 6 % cushion to cover taxes and insurance. My taxes and insurance have gone up and I realize I need to pay that. How do they have the right to charge an ADDITIONAL 6 % cushion on top of that increase?   I have several home loans and this is the only company that does this. They know what my insurance and taxes are ( at least the the other companies I deal with seem to ) I have been trying for several weeks to get them to let me escrow it myself which I was told by them over the phone would not be a problem. However, they are not responding and are charging me late fees for not paying the ADDITIONAL monies they want.      XXXX   XXXX   XXXX , TX
XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, South Carolina is a Predatory Lender. I purchased used car a XXXX XXXX XXXX for {$9000.00} with cash payment down of {$2000.00} making the financing by XXXX XXXX XXXX for {$7000.00}. 

Due to Financial Difficulties I did a Voluntary Surrender of the car back to XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX took a {$7000.00} car and sold it for {$2000.00} at an Auction and billed me for the balance of {$5000.00} now on this date of XX/XX/XXXX the {$5000.00} balance has grown to {$5900.00}. 

I want an Investigation Into the Criminal Fraudulent Activities of XXXX XXXX XXXX in trying to Collect Double what the car was financed. 

Selling a {$7000.00} car for {$2000.00} was a giveaway and XXXX XXXX XXXX didnt try to collect the Market XXXX XXXX Value of the Car. 

Waiting for your reply. XXXX XXXX XXXX should not be In business. Right at this point they are in the Business of Predatory Lending and Cheating their Customers. 

XXXX XXXX XXXX
XXXX XXXX XXXX APPEARS ON MY CREDIT REPORT. WHO IS THIS PERSON? I HAVE NEVER HAD ANY AFFILIATION OR ALIAS OR ANY OTHER CONNECTION TO THIS NAME BUT IT STILL APPEARS.
I am on Social Security XXXX and have been trying to modify my home loan to make the payment more affordable. Carrington Mortgage has been dragging their feet, losing documents I send them, and trying to stall the modification process as long as they can.

I have sent Carrington Mortgage ALL the information they requested and I am currently working with them to get the loan modified, but they just sent me a Notice of Trustees Sale! 

I have no other place to go and Im XXXX! I dont want to live in the street! 

Please help
With XXXX I had some address that showed up on my credit report that they said they received from experian. They also placed some XXXX pages of paper work that hey sent over to equifax. Sharing my personal information with out my content is a direct violation of my rights under FCRA.
Wells Fargo continues to charge me late fees when their own system shows that I am making more than the minimum payment each month.
In XX/XX/2018 I had my XXXX XXXX inspected prior to turning in the car at the end of the lease term. I was advised that except for the tires, the car was in very good condition. The inspector advised me to replace the tires with good used tires. I did this, and returned the car to the dealer. Two weeks later, I received a bill from XXXX with all the end of lease fees, as well as a {$400.00} charge for worn tires. I called XXXX and informed them that the tires had been replaced. They responded that they would take {$200.00} off the tire charge. Rather than argue, I agreed. They said they would issue a new bill and I told them I would pay when I received the bill. 

On or around XX/XX/2018 XXXX called again to ask for final payment. I informed them that I was waiting for the final adjusted bill that they had promised. I was being sent in the coming days. I told them I would pay the be promptly when I received it. 

On or around XX/XX/2018 XXXX again called asking for payment. I informed them again that I was waiting for the final bill, and that I would pay when this arrived. They said they would check on the bill. 

Today, XX/XX/2018, XXXX called again asking for the final payment. I told them that no bill had been received, can they please email this to me. They said this was not possible, but I could pay online. I hung up in frustration, went online, opened an online account ( to view my lease account ) and found that the final bill was not available on their website. I opened a chat session, which lasted approximately 45 minutes, during which time I was told to " hold on a minute '' several times. I was told that the account had been assigned to " Deficient Accounts '' and that they could not post any information to my online account. They informed me they would send the bill again, but they were only able to fax me a copy ( they could not email it to me, they could not post it to my online account - though I can see all of my other bills ). I asked them to XXXX me the bill so that I can be sure that it arrives. ( I do not want them reporting this as delinquent against my credit report ). I also told them that faxing was not possible ( I have not owned or worked in an office with a fax machine for 20 years ). XXXX responded by saying - despite the fact no final adjusted bill had ever been received - that they could only mail or fax it to me. They also told me that I could send them a check for the pending amount ( despite the fact that I could not see the detail associated with the final fees ).
My credit history is rated unfairly. My oldest credit card is 30 years. I have had XXXX inquires XX/XX/XXXX and received a " C '' rating for this. I have XXXX derogatory comment with a notoriously fraudulent company. I have 100 % on time payments for over 30 years, credit utilization of 4 % and available credit of {$50000.00}. My credit score remains at XXXX, and as you know this is too low to receive good credit rates. For some reason there is discrimination against me with the credit reporting company. I am an older American and take my credit rating very seriously.
Issues regarding Citibank credit card and autopay as they continue to withdraw money every month out of my checking account to an unknown account they can not locate. Initially they told me I can not remove my name from account as an authorized user and Since I was an authorized user, they are unable to assist me in finding or removing this auto pay. Money continues to come out of my checking to date. I am going to have to close my long standing checking account to fix this mess of unauthorized charges
An inquiry was done. On my credit report. By, the credit bureau. Credit bureau charges a service. For a unknown result. In, a personal. Matter of a not known result. 

Please do not forward attachment 's. 
Please do not forward e-mail 's. 

Please download attachment. Then send in another e-mail.
I have submitted disputes letters over the past 6 months. I requested for verification and validation of the accounts by providing the contracts they on file. The agencies did responded to my request nor any the remaining of accounts were not deleted
Today if Friday, XXXX XXXX, 2017. I have tired to freeze my credit report at Equifax about 10 times over the past 5 days. I keep getting their error message or a message to try back later. Once, I got to the point where they wanted {$10.00} -- according to their web site there should be no charge for someone over age XXXX from my state. 

If they ca n't get their computers to work, it 's not surprising they were hacked. 

I was able to easily freeze my credit report via the web for the other two companies.
This is a spam call that is calling multiple times a day about fake debt and threatening legal action, etc ... they call around XXXX! I am TIRED of these FALSE accusations and I don't know how to get it stopped!
In short : I 've been bait-and-switched by e-rates mortgage. 
I applied for a mortgage refinance with e-rates in XXXX and was offered a XXXX rate. I was told in XXXX that the only pending matters were final balances and an appraisal. On XXXX XXXX I received a refund on my credit card from an appraisal company, with no word from e-rates. I tried to reach the XXXX people I had worked with, by email and by phone, and neither returned my call until I left a voice message saying I would being going to regulators. I received a Tuesday call but when I had heard nothing by Thursday, I posted on the XXXX page of XXXX, through which I first had contacted e-rates. Although XXXX promises to " act as ombudsman '' on all loan through its site, there is zero contact information on its site. Since then I have received a " not-to-worry '' email from XXXX and a call from e-rates offering me " market rate, '' which is currently .1+ percent higher than I was quoted in XXXX. If this is not a bait and switch, I 'll eat my XXXX XXXX diploma. Thanks for your help in shutting down scammers, of which I know this is hardly the worst -- but I bet they 're making a big cash in at the margins.
On XXXX/XXXX/XXXX I applied for a mortgage pre-approval. I was denied in significant part because of the ratio ( % ) of revolving credit utilized compared to revolving credit available. There were other issues that I have been able to correct, however not the terms of a Chase second mortgage. Page XXXX of the attached file is the merged credit report from XXXX showing my revolving credit balance as {$35000.00} and available revolving credit as {$7500.00}, a utilization rate of 78 %. Also note on pp. XXXX that both XXXX and XXXX identified ( factor XXXX ) the proportion of balance to limit on revolving accounts as too high as part of the reason for the low credit score and subsequent denial. Page XXXX of the attached file from XXXX shows the Chase MTG as a home equity loan revolving with a limit of {$27000.00} and a balance of {$25000.00}, utilization of 93.4 % of revolving credit for just this XXXX account. The issue is the actual terms of this second mortgage. I took this as a HELOC in XXXX XXXX as a 10 year interest only HELOC that I was able to draw from for home improvements. It matured in XXXX XXXX, the draw period ended so it is no longer in fact a revolving credit account, as I no longer can withdraw funds from it. The terms changed and as agreed I began making principal and interest payments on the account beginning XXXX XXXX. I disputed the terms only via XXXX on XXXX/XXXX/XXXX, asking that the terms be changed. I received the results of the dispute on XXXX/XXXX/XXXX ( XXXX of attachment ). XXXX XXXX indicated that Chase verified the account as revolving with all three credit bureaus. I contacted Chase MTG. on XXXX/XXXX/XXXX and spoke with XXXX different customer service employees. They XXXX agreed that the terms had changed and this was no longer a revolving charge account. They contacted an employee in the credit reporting department and a senior employee in the mortgage/home equity department. XXXX those employees also agreed that this was no longer a revolving charge, but stated that the terms could not be changed or reported to the credit reporting agencies any differently unless I would refinance to a home equity loan. I told them that would be foolish because I was selling the home and this second mortgage would be satisfied with the proceeds from the sale. Plus, I would incur significant costs and fees associated with a refinance that were not in my best interests. In the end, while they all agreed that in fact I was correct, they could do nothing about it. XXXX XXXX of the attachment show the actual current revolving credit that I have. A total of {$4700.00} available and utilization of {$1400.00} or 31.5 % utilization. Correcting the terms of the Chase MTG by deleting the revolving notation and identification as a second mortgage would increase my credit score significantly. It is not fair that despite the facts, this company is unwilling to correctly identify the current terms of this loan, apparently for the sake of making additional profit with a refinance is just wrong. Thanks in advance for your assistance. XXXX XXXX