WillisBack/dataset-financial-user-claim huggingface dataset:
I requested a credit increase on my Lowes Business Account in the month of XXXX, 2017, online using Lowes Request Increase function on their website. The request was denied. I received a letter ( will upload as an attachment ) stating : Synchrony Bank has reviewed your request to increase the credit line on your business account with Lowe 's Business. Due to the following reasons ( s ) we are able to approve your request : Low payments to balance in the last 2 months on this account Low payments made in the last 3 months on this account. 
Low payments made in the last billing period on this account Recent delinquency on this account The letter does not state where they pulled any credit information. It does not state XXXX, etc. 
The letter merely states the reasons were based upon 'on this account ' referencing that they used by Lowe 's credit history in determining the denial of request of a credit increase. 
I called Synchrony Bank ( Lowe 's ) regarding the letter, stating to them that none of the 4 reasons were true. At no time did any of the 4 reasons listed in the letter were true, or factual. They stated that I should contact the credit bureaus and file a credit report request and dispute with the credit bureaus. I stated to them that the letter did not have who they used as a credit inquiry bureau source. They still stated I was to dispute the issued based upon : 'We came to our decision based upon information supply by the credit bureaus '. I called all XXXX credit bureaus and none of them have any requests for information from Lowes, or Synchrony bank within the last 3 months. 
The reasons for the credit increase denial are incorrect. 
I believe I was not treated fairly. 
I believe they ( Synchrony Bank ) aka Lowe 's used incorrect information on assessing my credit worthiness.
This is a debt that had past its statute of limitations years ago. It 's no longer on my credit report and was n't there even when I filed for personal bankruptcy in 2008. This company LCS financial called me and told me I owed tens of thousands of dollars and I needed to make a payment. The person on the phone then read me a disclosure at light speed and when I stated that I did n't understand what he said he said sorry to hear that. I told him I currently have no income, XXXX kids and no property so I was n't making any payment not to mention that I did n't understand the debt. The letter said I owed XXXX and the person on the phone said I owed XXXX loans totaling XXXX. I was then told that I had a phone so the whole XXXX kids no job 'excuse ' meant nothing to him. He finally marked it down as a refusal to pay. My husband then called back and talked to a supervisor and he was told that all the legal talk at light speed basically said that they knew the debt expired, they could n't take legal action and they could n't attach my credit report unless I made a payment. They were trying to trick me into hurting myself. It 's not right.
While checking my personal credit report, which I acquired from [ XXXX XXXX Equifax ], I noticed an inquiry made by : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX -XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, VA XXXX onXX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SD XXXX onXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity. Mail it to the address listed above. 1. ( a ) Verification.Your claim must be verified to prove the validity, by presenting the alleged obligation under oath or notary seal, and signed by an Officer of ( ), under penalty of perjury as to accord with impartiality honesty and integrity. 2. This is an un rebutted statement of facts.Your response is not required, however if you fail to rebut these statements within ( 5 ) daysthen it shall certify your consent, assent, and agreement to the statements as true, correct, complete, and not misleading. 3. Additionally all further communications to our office shall be made only by an Officer of ( ), signed in Ink, including the Title and Name of individual verifying the data and affirming its accuracy and authenticity. Please cease and desist all communications that are not signed in accordance with the provisions made herewith. The failure to do so constitutes a prejudice to my rights and is damaging to me. Therefore, should we continue to receive unsigned communication from your office, it shall constitute your agreement to compensate us for this predetermined sum of {$10000.00} per document. 4. Please be advised that if this debt isnt verified according to the Fair Debt Collections Act.You must delete this recording from my credit reports. As it is that I am willing to contact the Federal Trade Commission, Report you to Both The Council of Better Business Bureaus and Consumer Financial Protection Bureaus as I am very much inclined to file a lawsuit if this matter is not immediately resolved. If you can not provide me with proof that I authorized you to view my credit report then I am demanding that you contact the credit bureaus immediately and have them REMOVE/DELETE the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.
Capital One unethically procured my credentials from credit bureaus and kept performing " prescreening '' or credit check on my account WITHOUT my consent. I kept getting promotional offers almost twice a month for about 8-10 months. The communication was never clear about the clandestine prescreening checks being made frequently. This could severely affect my credit history and limit my access to financial resources in my hour of need. I wish that CFPB takes stern action against Capital One and I demand an apology from the credit card company. Thank you!
After looking at my credit report I noticed an unusual amount of credit inquires. Most of the inquires were inquires that had previously fallen off. I called transunion after learning about their security glitch. I was told that there was nothing they could do to help remove the high number of inquires. I believe this is negatively effecting my credit scrore. 

hard inquires not authorized or orginally fell off report ; XXXX XXXX I XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also I attempted to have my name updated my personal information. I am now married and would like my married name reported on my report. Its hard trying to apply for credit and not being able to be verified because my name is different in tranunion 's system.
In 2010 I was notified by the IRS that someone had filed a fraudulent tax return in my name and received a refund. A police report was filed with the XXXX XXXX Police Department. As a result of this unknown/fraudulent tax liens were placed in my name as well as a BK. 
Transunion removed the BK once I supplied them with my police report and other pertinent documentation, however they re- inserted the BK back to my credit write while I was in the middle of applying for a loan. 
I have tried to reach out to them for the past 6 months and the public record account still remains on my credit even though it is not mine!! 
BK XXXX
Me and my husband went to XXXXXXXX XXXX XXXX on XX/XX/2018 in  XXXX, CA to do a little shopping around. One store I went to was XXXX XXXX. When I went to pay at XXXX XXXX, the associate offered me a reward card and told me it would help me get {$20.00} off the purchase and get a free pair of underwear and I would get points as I spend money there. Most stores offer their own versions of reward cards for free so I was inclined to do. As I filled out their survey and finished, I was ready to put it on my debit card but the associate said that we had to put the transaction amount on the rewards card, which to my confusion, happened to be a credit card. No where in the conversation was the rewards card called a credit card, even when I asked what the rewards card entails. The associate never told me it was a credit card and never asked to pull my credit, but rather told me that it was just a free rewards card. Pulling credit is not free as inquiries can affect your credit which takes time and money to improve. So the associate wanted me to put the {$93.00} on the credit card but since I did not want the credit card in the first place I put on my debit card. We tried to talk to the manager but we got a supervisor named XXXX and while trying to explain the implications of this deceptive practice, we were told that we were being aggressive to trying to find a resolve. After leaving we called XXXX XXXX  Customer Service and talked to a CSR named XXXX who was very helpful, they wanted to send a {$25.00} gift card for the inconvenience. I was also told that this happened to another person by the rep so this seems that it can be a reoccurring incident. My husband works with loans and said that this would break certain laws/regulations under UDAP.
I noticed this debt listed on my credit report. I have never had any dealings with XXXX XXXX or its subsidiaries. I attempted to get this corrected but it still shows on my credit report.
I sent a check to my mortgage company, Specialized Loan Servicing on XX/XX/2018 for the full amount of XXXX monthly payment. I have until XX/XX/2018 to make the payment. The company did not cash my check, however did an ACH direct withdrawal from my bank account for the full amount. They have not posted that payment to my mortgage. I have been in contact with them since mid XXXX and sent them the information multiple times. They are reporting late payments each month because when I mail my current payment, they are applying it to the month outstanding. I can't get a copy of the cancelled check because they did not cash it. My bank has told me to send them my statement showing the ACH Payment coming out of my account. I have done that multiple times in the ways they have told me to send it in. Still, the payment does not reflect as being applied to my mortgage. They have listed me as late on multiple occasions, because they put my payment into a " holding '' account and then remove it and reapply it. I have called and written them, and can't seem to get anywhere. I filed a written complaint to the Dept of Savings & Mortgage Lending link on their website and they tell me they are not the correct people to contact and gave me this site to file a complaint.
I HAVE A GOOD STANDING CREDIT CARD ACCOUNT WITH TD BANK SINCE XX/XX/XXXX WITHOUT ANY LATE PAYMENTS. LAST TIME I MADE A PAYMENT WAS THROUGH ONLINE AUTOMATIC SYSTEM. ACCOUNT WAS NEVER LATE AND ALWAYS BEEN A GOOD STANDING. MY CREDIT IS EXCELLENT FROM ALL THREE CREDIT REPORTING AGENCIES. 
I TRIED TO LOG IN SINCE LAST FEW DAYS AND TRY TO CHECK MY ACCOUNT IT DIDN'T GAVE ME FULL ACCESS TO IT. I CALLED BANK THEY GAVE ME NO REASON AND TOLD ME MY ACCOUNT IS IN COLLECTION. 
ON XX/XX/XXXX I WENT TO TD BANK XXXX NEW JERSEY BRAND AND SPOKE TO BANKER SHE TRIED TO HELP ME AND CALLED CUSTOMER SUPPORT AND WE BOTH GOT SAME NO REASON ANSWER AND THEY TOLD US THAT WE ARE GON NA RECEIVE LETTER WHY MY ACCOUNT IS CLOSED.
There was inquires from Suntrust Auto Dealer on XX/XX/2017 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
Submitted in a timely manner a billing dispute online directly with PNC Bank. Reference number for dispute is XXXX, was sent a " debit card transaction dispute form '' for the dispute in the amount of {$57.00}. The form was completed and faxed to the above mentioned bank on XXXX/XXXX/17 ( all proof attached, including the fax transmission form ). Of course, the incompetent staff at this bank either lost, shredded, thrown away my documents. The bank sends another of the same form to me dated XXXX/XXXX/17, they already had my fully completed information for 3 days!
I received an alert from my credit bureau saying tha t JC Penny Synchrony Bank reduced my credit limit from {$2300.00} to {$1000.00}. I called the company and  was told to call the credit bureau because they are the ones that reduced my credit limit. I had a  XXXX  balance on the account and I had  a higher credit score now versus whe n I actually applied for the card. There had not been much activity on the card by my own choice. There was no reason to reduce it. I have closed the card as the representative I spoke to was so rude to me. I do n't think the bank should be able to get away with treating the customers like that.
Towne Mortgage is increasing my mortgage company by {$560.00} per month due to a clerical error on their end. They have drained my escrow account paying XXXX XXXX XXXX. They have not once called in 2 years to let me know there was an error in the amount they were collecting from me in escrow. A customer service representative named XXXX XXXX admitted verbally on the phone that Towne Mortgage has been paying XXXX XXXX ( as we agreed in escrow ) but they were not charging me in escrow since the day they dropped our mortgage insurance ( XXXX/XXXX/XXXX ). When our mortgage insurance was dropped by XXXX XXXX at Towne, she or someone else at the company accidentally took off our home owners insurance and did not tell us. They could have caught this problem the first time they paid out our insurance and multiple times after. If we would have been aware we would have told them something was wrong. We have trusted this company with our loan and escrow and never once gave consent for our escrow to be altered since buying our home in XXXX. The most suspicious aspect is the fact Towne has been paying out XXXX, but not charging us. This shows that they are unorganized and made the mistake. It seems pretty simple for them to find this error since they have paid XXXX multiple times. Instead they send us a new bill of almost {$600.00} increase with no explanation. I had to call multiple times and finally was told by XXXX XXXX that " it was an error on [ their ] end. '' We can not afford to pay an extra {$600.00} a month for an entire year. We would like to pay no more than {$200.00} a month until the debt THEY created by THEIR error is paid off. We have never missed a payment and have trusted Towne with our loan and financial asset. I would like for this to never happen to anyone else, but fear this company is so disorganized, they could let an error like this happen for almost two years. Please help.
I received a phone call at   XXXX   XXXX   pst on   XXXX   from  XXXX . They called again at  XXXX  and   XXXX  . I answered the  XXXX  phone call and it was from  Navient. I   asked why they called me at   XXXX   XXXX   and if they knew that was illegal. The woman would n't answer me unless I verified my information with her.
I sent a certified letter to Equifax about inquiries that I did n't authorize or recognized and I asked them to remove the inquires. In 2016 it was some accounts deleted off of my report because they did n't belong to me. The accounts had the same name as me but different addresses. after looking at my credit report I seen all these inquiries and some of them were reporting more than once.They sent me a letter informing me that, they are not required to remove these inquiries, I needed to contact the companies. I contacted the companies and they said I need to contact the credit bureaus. These inquiries have stopped me from getting the credit I believe I deserve. The reason for denial is too many inquiries. I 've asked this company by phone and in writing but nothing has changed.
Ocwen agreed to a modification in XX/XX/XXXX but with their agreement they promised to clean all lates as to provide us with a true fresh start. This was the third modification attempted and it finally worked out. We retained a lawyer to help. The initial modification was rejected by their error on XXXX, XXXX XXXX and that would have had us with a four year clean mortgage payment history.
I recently disputed credit account with XXXX XXXX XXXX on my Experian credit file.Experians investigation results were that the item " remains '' on my credit file. I have reason to believe that Experian did not correctly investigate my dispute because I disputed the same item with XXXX XXXX XXXX with XXXX and their results were : " This item has been deleted from the credit file. '' My ultimate goal is to have this item deleted from my Experian credit file. You will find attached to this complaint my XXXX investigation results and my Experian investigation results.
I got behind when I lost my job and we couldn't pay my mortgage on only my husbands salary while feeding our XXXX kids. 

I now have steady employment and make enough money to pay my mortgage, I applied for a loan modification and was denied because my lender says I don't make enough money to pay my mortgage. I just received a substantial pay raise and sent evidence to my lender but they Have not removed the XX/XX/2018 sale date nor have they reviewed my new income. They told me I have to wait for the denial letter before they can review my new income/loan mod application. We don't have time there is a sale date XX/XX/2018
Cbe collection said I owed debt I paid with debit card over the phone in full Said they would remove it from my credit report from XXXX if I paid in full they had it taken off and put it right back on I have contact both XXXX  and cbe collections and they blame One another I am trying to buy a house and the collection on my credit report is keeping me from it please help me Resolve it I have online recipe of payment. Thank you
On XX/XX/XXXX, I forwarded a Certified Letter to Transunion Consumer Solutions Disputing the Validity of a Collection account listed on my most recent Credit Report. 
Collection Account - Creditor : XXXX XXXX - Date opened - XX/XX/XXXX. Original Creditor XXXX XXXX XXXX XXXX 
( XXXX - debt buyer ) I also attached a page from an older Transunion Credit Report which was dated XX/XX/XXXX showing a line item XXXX XXXX XXXX  with a last payment date XX/XX/XXXX. XXXX ( XXXX XXXX ) - showing the same account number as the XXXX XXXX account listed above. 
( this account had since dropped off of my Transunion report and the Collection account was added ) I advised that I did some research of my own and was aware of XXXX XXXX XXXX Deceptive Practices and this appeared to be one of them ; False Credit Reporting ; Re-aging an already existing item and that I was aware that this practice was ILLEGAL and it had a severe negative impact on my Credit Score. 

In addition I advised I was aware that XXXX had to pay a {$3.00} XXXX penalty to the CFB 's Civil Penalty Fund, that it Must stop selling debt that it can not verify and that XXXX sent inaccurate information to debt buyers when it sold off credit card debt and used law firms that Altered court documents. 

I also let Transunion know that I was aware of the article on the CFPB website dated XX/XX/XXXX that Transunion must provide more than {$13.00} XXXX in restitution to affected consumers and {$3.00} XXXX to the Bureaus Civil Penalty Fund. 

Transunion came back with the following : Your Investigation Results : XXXX XXXX Information Updated, Verified as Accurate and Updated. 

I do not feel that Transunion has Accurately reviewed the contents of my Certified letter and attachments. 

It was made extremely clear in my letter, that this debt buyer ( XXXX ) has engaged in the act of False Credit Reporting Re-Aging. 

XXXX BOUGHT XXXX XXXX XXXX XXXX XXXX IN XX/XX/XXXX! 
I DID NOT sign any agreement with XXXX/XXXX. 

The above is a clear example of REAGING with the INTENT to severely damage a CREDIT SCORE by adding a NEWER line item and RESET a Statute of limitations. 

Transunion has permitted this to occur by not properly monitoring reporting practices.
My loan was recently sold to Nationstar ( from XXXX ). I made my last ACH payment of {$1200.00} to XXXX on XX/XX/XXXX but that payment was never credited to Nationstar. After countless calls, including with a supervisor, this is still not resolved and my credit score may have been already hurt. Nationstar said they are " investigating '' this but they re not doing anything, t 's been 2 months now every time I call I have to start from the beginning, as if its the first time I call. On top of that, I get automated calls every morning from their computer TRYING TO COLLECT MONEY THEY MISPLACED, ITS INFURIATING!
Receive phone calls at least twice a day for my warrant of my arrest and that I 'm being sued. Now family/friends/work are being called and threatened. When I try to return the call to ask for documention to be sent to me in writing there is not answer. Is this a scam.
I applied for a refinance loan with Leading Mortgage Solutions in XXXX XXXX, and with XXXX XXXX. After approval and before the closing, I was told directly to NOT pay my XX/XX/XXXX payment and that the loan would close before then, and there would not be a 30 day late marked on my credit report. I took their advice. Fast forward a month to XX/XX/XXXX, when I applied for a loan with a different lender for a XXXX home, I was told that my credit report showed a 30 day late payment from the refinance transaction that I was assured would not be there. I complained to the company, they informed me that I was incorrect, that there is no blemish on my credit, and that I should call the old company to resolve myself. I found this unacceptable, and filed a poor review on XXXX. They contacted me via email, as well as rebutted the XXXX review, and again claimed I was wrong, and to clear it up myself. I told them I expect them to clear it up as it was their advice that led to it. I have filed a complaint with the XXXX, but am hearing the same from the company about how I am incorrect. Even after I sent XXXX XXXX screen shots of all three credit reports showing the blemish, he tells me to call the former lender and clear it up myself.