WillisBack/dataset-financial-user-claim huggingface dataset:
I APPLIED FOR A CREDIT LINE INCREASE WITH CAPITAL ONE. THE DENIAL REASON INDICATED " YOUR AVERAGE MONTHLY PAYMENT IS TOO LOW ''. I HAVE CONSISTENTLY PAID MY MONTHLY PAYMENT ON TIME AS WELL AS PAID MORE THAN THE REQUIRED MINIMUM PAYMENT UPON BILLING CYCLE. MY CREDIT CARD ACCOUNT IS INTEREST FREE, THUS THERE WAS NO INCLINATION TO RUSH TO PAY OFF ACCOUNT, ALTHOUGH I MADE MORE THAN THE REQUIRED MINIMUM AMOUNT DUE. THE PROBLEM SEEMS TO BE THAT I HAVE MADE SEVERAL SMALL INTERMITTENT PAYMENTS, WHICH ARE BEING TAKEN INTO CONSIDERATION. HENCE, THE " TOO LOW MONTHLY PAYMENT '' RATIONALE FOR DENIAL. THE SMALL PAYMENTS I MADE WERE NOT REQUIRED. THEY WERE SIMPLY DISCRETIONARY PAYMENTS WHICH I HAD NO IDEA WOULD POSE A NEGATIVE IMPACT UPON EVALUATION FOR A CREDIT LINE INCREASE. I HAVE PAID MORE THAN THE ACTUAL REQUIRED MINIMUM PAYMENT EVERY STATEMENT PERIOD. CAPITAL ONE HAS DEMONSTRATED UNFAIR CONSUMER PRACTICES BY CONSIDERING MY PAYMENTS WHICH ARE NOT REQUIRED OR RELEVANT TO MY ACTUAL REQUIRED BILLING STATEMENT. FURTHERMORE, THE SMALL PAYMENTS DO NOT INFLUENCE MY CREDIT REPORT IF THEY ARE NOT RELEVANT TO AN ACTUAL REQUIRED PAYMENT. THE DENIAL REASON IS NOT SUBSTANTIATED BY FACTS. A REVIEW OF MY ACCOUNT CLEARLY REFLECTS THAT I HAVE PAID MORE THAN THE MINIMUM PAYMENTHE UPON BILLING CYCLE. ANY OTHER PAYMENTS MADE ON ACCOUNT OUTSIDE OF BILLING CYCLE SHOULD NOT HAVE BEEN USED AS AS A BASIS FOR " LOW PAYMENT '' DENIAL REASONS. NOT TO MENTION, SMALLER PAYMENTS WERE DISCRETIONARY. I APPLIED FOR AN AUTOMATED CREDIT LINE INCREASE ON XXXX/XXXX/16 AND WAS APPROVED FOR {$750.00}, BUT I DECLINED OFFER AND DECIDED TO WAIT. I REQUESTED A CREDIT LIMIT INCREASE FOR THE SAME ACCOUNT ON XXXX/XXXX/16 AFTER CHANGING MY MIND FROM PREVIOUS XXXX/XXXX/16 REQUEST AND RECEIVED THE DENIAL REASON WHICH I AM DISPUTING. I WAS APPROVED UPON REVIEW OF THE SAME PAYMENT HISTORY FOR A CREDIT LIMIT INCREASE ON XXXX/XXXX/16, BUT DENIED ON XXXX/XXXX/16 UPON RESUBMISSION.
I was on an income based program and when my income changed due to being laid off at work, I filed the necessary paperwork with the lender. I received a letter stating I did not need to make another payment for one year. One month later, I received a bill and called to inquire. Customer service stated they would request an investigation and I would receive a letter in the mail. I never did and each month I would receive a bill and I would handle it the same as prior months. The third phone call, the customer service person stated he could see the two previous request for an investigation and that nothing was ever done with them.My request for a written explanation was ignored and ACS Education Services ruined my credit. They refuse to put any explanation in writing and how they can issue a letter that no payment is necessary for the next year and then send a bill is confusing. The initial bill was for XX/XX/XXXX ; which XX/XX/XXXX payment was made and on time. Once I submitted the letter from my bank and their own email confirmation of that payment, they said that was a mistake the bill was suppose to be for XX/XX/XXXX. This has been the pattern or they loose documentation that you file with them. They should provide a written explanation and admit they failed to notify me at the time of my submission of financial documents and work to resolve this issue. I spoke to a gentlemen at the US Dept. of Education who provided me with an email address to contact the department at ACS that completes the investigations. He said they should contact me within 7-10 days, that did not happen. I sent and email and although I received an automated response on XX/XX/XXXX, I have yet to receive anything else from ACS. 
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We received notice from Nissan motor Acceptance advising us the XX/XX/XXXX XXXX was sold for less than the estimated balance due. When we contacted them to inquire about receiving a copy of the bill of sale and a XXXX showing the actual transaction, they refused to send it. We tried explain that this voluntary repossession was due to fact that we couldn't trade the car in for another. Now they're threatening to send this to a collection agency for money we don't feel we owe. The XXXX insurance company listed it as a total loss in XX/XX/XXXX but never advised us of that and we had Gap coverage too. We have filed a gap claim with the insurance company in XXXX but still have not heard anything from XXXX XXXX XXXX XXXX  regarding this issue. Please advise us if anything can be done to resolve these issues. 
Thank you
I started having problems with Nationstar Mortgage out of Texas back in XXXX when I was trying to pay one month ahead in case of emergency. Apparently, they will not let you make extra payments on your mortgage without having a specific agreement with them which I was not interested in having. Of note, other lenders I 've had let me pay ahead if I wanted. Anyway, I sent my XXXX XXXX mortgage payment to them which they received on XXXX/XXXX/XXXX. I included an extra {$100.00} to be applied towards principal and indicated I wanted it applied to principal on my payment voucher. The end of XXXX I noticed the extra {$100.00} had been received but not applied to principal so I called Nationstar and was assured the extra principal would be applied when they processed my next voucher which made no sense. Yesterday, XXXX/XXXX/XXXX I received a letter in the mail from Nationstar telling me the {$100.00} was in a suspense account and I quote " As of the date of this letter, the total amount required to bring this account current is {$1300.00}. '' " please remit amount due in order to complete a full payment owed. '' The date of this letter was XXXX/XXXX/XXXX which was 2 days after receiving my XXXX XXXX mortgage payment and posting it on XXXX/XXXX/XXXX! My next mortgage payment is not due until XXXX XXXX, XXXX per their own website so how can I owe them {$1300.00} now? I fear their incompetence is going to hurt my excellent credit rating. Please help!
As of Tuesday, XXXX XXXX, 2017, EXPERIAN is still knowingly and illegally reporting a debt of {$430.00} to XXXX for XXXX. 

REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX. 

I maintain that during the selling, purchasing and/or transferring of my account ( s ), XXXX, knowingly violates both the Fair Debt Collection Practices Act and The Fair Credit Reporting, by constantly and consistently reporting negative, unfair, inaccurate, unreliable, incomplete and missing information to the XXXX major credit reporting agencies/bureaus ( Experian, XXXX and XXXX ) by purposefully misrepresenting a debt that I do NOT owe in its reporting as debts of XXXX ( {$430.00} ) that is : ( 1 ) paid/settled ( 2 ) old, obsolete and out-of-date ( 3 ) over the Statue of Limitations ( 4 ) time-barred ( 5 ) used to intimidate ( 6 ) purposely omitted date ( s ), time, purchases and amounts.
On XXXX XXXX and XXXX XXXX XXXX I filed a dispute with Equifax online for the collection with XXXX XXXX to be removed from my credit report. I have sent them a paid and settled letter and also a letter from the collection asking for this to deleted from the my credit report. I have spoken with XXXX XXXX on numerous occasions and they stated that they sent a deletion AUD number on XX/XX/XXXX to all CRA, all, except Equifax have deleted this collection from report. My credit score is has dropped significantly bc of this collection. I do n't know why Equifax will not update this collection when they have received the information from the XXXX XXXX asking for this to be deleted from report. I need this collection to be removed from my credit report
On XX/XX/XXXX ( Sunday ) I received an email from XXXX XXXX regarding my XXXX XXXX credit card account. This account was opened in XX/XX/XXXX with a credit limit of {$1500.00}. In XX/XX/XXXX, I purchased one rug, one living room table, one dining room table set ( including chairs ) and a sofa and loveseat. At that time I utilized {$1400.00} plus, in addition to the delivery fee of around {$85.00} ; which used all of the available credit limit that I had. During XX/XX/XXXX, I decided to close the account. As soon as my first statement came, I was paying on my balance ; interest free for 12 months.

XX/XX/XXXX ( Sunday ), I received a letter from XXXX Finance department informing me that they were adding {$73.00} to my account because they claim that they never charged me for the rug. This is almost a year later when I received this information. I called on XX/XX/XXXX ( Monday ) to speak to XXXX ( name referenced in the letter ) and I was told that she was on vacation. I told the representative that I spoke to that I did not agree with these additional charges that were being added to my account 11 months later and that I would like to dispute the charges. I left a message with that representative for XXXX and I anticipated a call from her when she returned from vacation. On XX/XX/XXXX ( Thursday ), I called back to speak with XXXX because she hadn't returned my call. She told me that she did not receive my message and she was very rude and unwilling to answer my questions or listen to my dispute. I informed her that I would be making a complaint regarding this issue, she acted as if she did not care. 

On my next XXXX 's statement, the increase was already added to my account as well as the corresponding interest. 

I do not agree that a credit card company should be able to add a fee onto my bill, stating that they forgot to charge me for merchandise. I have not kept the best records but I am more than certain that I utilized all of my credit and that rug was charged to my account. I don't believe I as a customer should be held responsible for some type of " issue ' that they have claimed to find on my account over a year later that financially impacts my liability to that company. 

I will not ever do business with this company again. Bad customer service and miscellaneous fees being added to my account.
XXXX XXXX for a dependent initially billed incorrectly. In efforts to resolve billing, situation enters collections. Insurance situation resolved, and original service provider was paid as far as I understand. However, collection agency is still trying to collect a debt related to this circumstance. 

I have received no communication about this for years. 

I find it on my credit report and dispute the derogatory claim. 

It comes back as XXXX XXXX as still an open collection. 

I do n't understand how I owe them anything and why they are claiming I owe anything at all in this case.
Nes called me in early XXXXstating I had an outstanding medical bill. I did not recognize the date of service and I did not recall ever receiving the medical treatment they described. I asked them to send me documentation and never received anything from them again
I have never lived at XXXX XXXX XXXX XXXX PA XXXX or XXXX XXXX XXXX PA XXXX. Someone used my name.
I refinanced with Ditech to make my mortgage affordable. My payment was reduced to about {$1100.00} a month on or about XX/XX/XXXX. Shortly after I was notified that I had an Escrow surplus due to insurance or taxes in the amount of {$1200.00} or so and subsequently a check was mailed to me. To be sure I would not have to repay at a later date due to a mistake on the part of Ditech, I called and was 100 % assured that there was no mistake and that I would not have to be concerned with repayment at a later date due to any mistakes, etc.

In XX/XX/XXXX, without a notice, my escrow and subsequently my mortgage payment increased to {$1200.00}, about {$120.00} a month increase. I tried to rectify this with Ditech, citing it as a bank error. Ditech 's reply was that they are bound by law to send an escrow surplus to the borrower and that I just have to pay it back over a 12 month period.

1. I was not notified of the increase. Auto draft just appeared in my bank account.

2. I have paid the amount of {$1200.00} in protest and have discussed it with Ditech.

3. Ditech will not absorb the amount in light of this situation My question is can a mortgage company do this? Because it is a hardship to pay {$120.00} additional/month I have requested that the amount, after paying 2 months thus far in the amount of {$1200.00}, that the remaining amount be stretched out into 36 payments to make it affordable. That has not been decided yet, but will be in 3 to 5 business days from now, XX/XX/XXXX. I am asking for this payment arrangement, but I still want to know if I have a legal leg to stand on. At the very least Ditech should be bound to explaining this when handing out a surplus check so that the borrower has the option to put the check aside while waiting to see if it actually a surplus. And second, at the very least Ditech should have the common decentcy to notify a borrower when they are increasing a mortgage payment {$120.00} a month. They did not. If the lending laws are on the side of Ditech, it is a shame. I did everything in good faith, including calling them to make sure the escrow surplus check was mine to keep, and was assured it was. I consider this a bank error. But I am not familiar with such laws governing this situation.
My home was foreclose on XX/XX/XXXX, I have attempted many times over regarding modification process, from the time XX/XX/XXXX until the time of foreclosure, I have reach out to the office of the president at Wells Fargo, and yet they refuse to grant modification program, I have file complaint with XXXX onto no unveil, Now my family is living in the streets because there is no remedy, I was denied Modification because wells Fargo On XXXX XXXX, a routine regulatory report submitted by Wells Fargo contained a startling admission : A review of the bank 's internal systems had revealed a calculation error affecting hundreds of struggling homeowners who had applied for mortgage modifications between XX/XX/XXXX and XX/XX/XXXX. 
Wells Fargo 's underwriting tool had miscalculated whether homeowners were eligible for the Home Affordable Modification Program or other government programs designed to help people remain in their homes despite difficulty making payments. Because of the glitch, around 625 Wells Fargo customers either were improperly denied mortgage modifications or were not informed they could qualify to have their loan terms modified.Hundreds of customers faced foreclosure after modification denials The Home Affordable Modification Program was intended to help struggling families modify their mortgages in cases of documented financial hardship. Participating homeowners had their monthly mortgage payments reduced by a median of more than {$530.00} through interest rate adjustments, loan forgiveness, forbearance, and extended repayment terms. An internal review of the Company 's use of a mortgage loan modification underwriting tool identified a calculation error that affected certain accounts that were in the foreclosure process between XX/XX/XXXX, and XX/XX/XXXX, when the error was corrected. This error in the modification tool caused an automated miscalculation of attorneys fees that were included for purposes of determining whether a customer qualified for a mortgage loan modification pursuant to the requirements of government-sponsored enterprises ... 
As a result of this error, approximately 625 customers were incorrectly denied a loan modification or were not offered a modification in cases where they would have otherwise qualified. In approximately 400 of these instances, after the loan modification was denied or the customer was deemed ineligible to be offered a loan modification, a foreclosure was completed. 

It appears that Mrs. XXXX XXXX and Wells Fargo enjoy foreclosing on American families so they can reap benefits of government monies and Consumer financial protection bureau watch it happen.
THIS IS A NEW COMPLAINT WITH NEW INFORMATION. In XXXX Discover received a payment on a credit card ending XXXX. They have not received any payments on this account since. They charged off the account in XXXX. They may have statements showing I was an authorized user on the account. When they charged off the account they started to report the delinquent account to my credit report. When I asked them to prove I guaranteed the account they show statements showing I was an authorized user. When I ask them to remove it from my credit report they claim it is reporting correctly even though they have yet to send me proof the account was guaranteed by me. I have been a Texas resident since XXXX. I can show my tax returns showing I have paid taxes as a Texas resident since XXXX. If they do have documentation showing I guaranteed it, which they have yet to send me, this account was still out of the Texas statue of limitations in XXXX. They still show a balance as being collectible against me on my XXXX and XXXX credit reports but put " consumer disputes '' and claim that makes it correct.
Issue is with bank of America, in re to checking account overdraft fees. Bank of America assessed the account 2 separate over draft fees, at {$35.00} each, on or about XX/XX/18-XX/XX/18. 

Bank of America claims two separate transactions - one ATM withdrawal and one ACH debit, caused the account to go into a negative balance.

I logged into the Bank of America mobile app 3-4 times on the date in question, and the available balance was always reflecting as a positive balance. None of the transaction that took place on the date in question were for amounts greater than the " Available Balance '' amount that was reflected via the Bank of America mobile app.

The final time that I logged into the Bank of America mobile app on the date in question, there was a positive balance ; not once during the date in question was there a negative, overdrawn balance reflected.

I contacted Bank of America customer service today by phone. The rep I spoke with did not sound confident why the two overdraft fees were assessed. Her best guess was that transactions made on the prior Saturday and Sunday ( XX/XX/XXXX and XX/XX/XXXX ) were being listed as " Processing '', and there was a delay in the charges being " Settled '', due to Monday, XX/XX/XXXX being a bank holiday ( XXXX XXXX ).

After I asked her why was there never a negative account balance being reported online by Bank of America, the rep was unable to answer my question.

I am positive that none of the authorized transaction amounts were greater than the available account balance, at the time the transactions were made. It appears to me that Bank of America held back certain transactions on the account, and applied them the following business day, and processed them in a specific order that caused the balance to be reflected as a negative balance.

I have tried resolving this directly with Bank of America without any success.
I was marketed a XXXX credit card. I accepted the offer. TD Bank issued the credit card. It is serviced by TDcardservices.com. So basically a bait and switch. I am now doing business with TD bank through Tdcardservices.com. I was led to believe through the marketing and the name on the card that I would be doing business with XXXX. This seems like false advertising/lying. I spoke with XXXX extension XXXX TD credit card department who was ignorant to these facts.
Equifax, and historically and well-known Credit Reporting Agency, should have used better precautions to secure personal information for my credit. This incident can possibly have a life time effect on me as a consumer. Now, I am not sure who has my information are what they have or what they could release. I surely do n't want to see something released on the news that could be related to anything regarding my credit. Having a truly free credit report for one year does n't fix this problem. And I am open to negotiations as to how we can best fix this quickly.. for example, how do you plan to compensate me for such a totally irresponsible Act?
These a debt on my credit report stating I owe. I have no knowledge of this debt. It also says I made a payment on this in XXXX of 2012 which I did not. The name of the company is XXXX.
Carmax has reported me late several times over the course of my loan. I would like them to validate and prove all reported lateness. During the course of my loan, carmax failed to send my monthly statement, and changed my due date several times, without me  knowledge. I want all of the unsubstantiated late payments removed from my credit report, all three credit reporting agencies.
I have a new employer and I want my employer and employment information added to my Equifax, XXXX and XXXX XXXX credit report. Please add the following : Employer : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX, XXXX, Position : XXXX XXXX XXXX, Annual Salary : {$350000.00}
On XX/XX/2018 a fraudulent application was submitted to XXXX XXXX and they ran a hard inquiry. I notified them of the issue and they acknowledged that I did not submit the application. I submitted a CFPB report and they told me that they would notify the credit bureaus regarding this matter to get it removed from my report. Thus far all credit bureaus have removed the inquiry except Transunion. 

Bank Information : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018
My mortgage was transferred to GreenTree Servicing when XXXX XXXX XXXX was told they had too many mortgages after merging with XXXX. Since then I have received numerous harassing phone calls telling me my mortgage is past due. That is not true. In fact, I always pay EARLY as I was told to do when buying my first home. I have emailed them, asked for a supervisor to take over my account, etc ... ..and they STILL keep calling. I was so angry with them today that I started searching online and surprise - I 'm not the only person they are abusing. I would appreciate any help you can give me. It seems very unfair to be harassed while paying my mortgage EARLY - every month.
On XX/XX/XXXX I applied for this loan because of financial difficulties. Me being young and when I applied it said 29.9 % interest rate. Come to find out it 's actually 299 %. I have made payments never late mind you. The loan was for XXXX. I have paid XXXX $ and I still owe them XXXX. The date as of today XXXX-XXXX-2017. I get payday loans are meant to be paid back by pay day however I should n't have to choose between food and paying this. If someone can bring food that would be great.