WillisBack/dataset-financial-user-claim huggingface dataset:
A credit card was obtained early XXXX of 2017 in order to make a XXXX purchase. The account the following month was paid off in full. Then late XX/XX/XXXX a smaller purchase of XXXX was made towards the account. No statement was issued and thus the payment was missed following month I received a letter on XX/XX/XXXX stating, " based on a recent review of your account, synchrony bank '' has lowered your credit line to {$350.00}. Your account remains open and available for use, subject to the new credit line. '' This is as I feel an unfair and extremely deceptive practice. Especially when I never received a statement and the account was also previously paid off in full. So by missing one payment that I was n't notified on synchrony as a company chose to decrease my credit line. Then when I called them and spoke to a supervisor she told me specifically that it 's due to a soft pull on my credit, which I also did not authorize. This chain of events caused me to also have a denial for a XXXX credit line for my business, XXXX XXXX due to the account being of high balance compared to limit after the credit line decrease. I have 2 other accounts with Synchrony Financial /Bank and neither of them have decreased my credit line, in fact within the last 6 months one did under go an increase. Please help!
I have disputes the accuracies of the reporting for both accounts I have with this company. I sent dispute letters XXXX XXXX,2018/ XXXX XXXX,2018, XX/XX/ 2018 and XXXX XXXX, 2018. All of which I still havent received a response. This is way past the 30 days the company has to respond
There is a default judgment on my Equifax credit report that was vacated by the NY Supreme Court in 2013. Equifax refuses to even let me open a dispute. XXXX removed it from my credit without any issue. It is seriously hurting my ability to get an apartment lease or a job. Please help.
I originally applied for a loan on XX/XX/XXXX. A complaint has been submitted regarding the mortgage banker who said our rate was locked but then wanted to charge us points to get the promised locked rate. Now I am submitting a new complaint because of the time this has taken. It is now XX/XX/XXXX and received this message from the mortgage banker ( XXXX XXXX ) yesterday : " The system is waiting on an approval that we received on XX/XX/XXXX. We are working towards correcting this issue and XXXX, as well as other managers are involved in resolving this. I am extremely sorry for the process thus far and I promise you that I am working on correcting this issue so we can complete your loan as quickly as possible. '' I left a voice message with XXXX XXXX yesterday regarding this " system error response '' and never received a call back. I am so fed up with Wells Fargo and that is why I am submitting another complaint. I have submitted everything requested by them and can not understand if the loan was approved on XX/XX/XXXX why it is now XX/XX/XXXX, almost a month later, and still has not been finalized.
I received a phone call for a collection of a medical bill form 4 years ago. I had never received any communication from the doctor or any collection agency. PCB/Rossman and Company contacted me and I agreed to pay the bill, but I wanted a letter stating that it will not be reported to credit. I also wanted the letter to include the amount and creditor, since I had never received any communication. They agreed to send a letter with the information regarding the bill.  After 2 wee ks, I contacted PCB again. I still had not received the letter. I asked for a supervisor and was put into a voicemail. I never received a call back. I called  2 mo re times requesting a supervisor and was put into  XXXX   XXXX  's voicemail each time. I called again and spoke with someone that spoke with a supervisor named  XXXX . He said he would provide a letter that stated what I requested. Six days later I received a letter that simply stated a  XXXX  % discount, but nothing about not reporting to credit. In the meantime, I have continued to receive calls from them, but never the calls back from a supervisor. One gentleman told me he could n't give me a letter because it was a HIPPAA violation. I have had my mother helping me with this issue and a lady named  XXXX  finally called her back today and said they will not provide a letter stating that it wo n't report to credit ... ..we just need to trust them. My mother works in  XXXX  and explained to her that the credit bureau will not " trust '' me to get something removed from my report. They said that they will remove it ... should something be reported. However, they will not put anything in writing stating that they will remove or not report something. Since my mother works in  XXXX , she knows that they will not just remove something based on a conversation with a collection agent. I need something in writing. We have called and called. We always tell them that we will pay the bill, but we need something in regarding reporting to credit. I am at my wit 's end. I am planning to buy a house in the n ext 6-8  months. I want to resolve this, but I need assurance that this will not hurt me later. I  hope  that you can help navigate through this situation with the collection company. I have never had such a hard time trying to give someone money.
Complaint of OCWEN LOAN SERVICING, LLC Property sold address : XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX XXXX sold a jointly owned property on XXXX/XXXX/2017. Sale price was {$630000.00} and mortgage balance of {$320000.00}. Ocwen XXXX XXXX withheld {$570000.00} from the sale of the property instead of the remaining mortgage balance of {$320000.00}. The balance was adjusted due in part to a modification and Form XXXX was issued to us. We had to file the forgiveness of debt amount as income on our federal and Massachusetts income tax returns. Ocwen Loan Servicing, LLC added back the forgiven amount back to the mortgage balance. Instead of receiving {$310000.00} from the sale amount of {$630000.00} we only received {$24000.00}. 
We are asking the Attorney Generals office to assist us in getting Ocwen Loan Servicing to refund us the balance of {$290000.00}. This amount represents the difference between mortgage balance and the amount paid to us of {$24000.00} received from the sale of the property.
I have paid down these accounts : XXXX XXXX XXXX XXXX, XXXX CREDIT CARD XXXX, XXXX XXXX XXXX '',
I had previously submitted a complaint XXXX XXXX XXXX, but did not respond. I thought our new loan servicer ( Shellpoint ) was moving forward with our loan. They are not. I have called almost XXXX dozen times and have only received calls back in which they hang up on me when I answer. I have done EVERYTHING required to modify my home loan, repeatedly. Nothing ever comes of it. I have been stuck in limbo for years now. And because nothing is ever reported positively to the credit agencies, my credit is always ruined so that I never have any other recourse. I need help. These loan servicers are just kicking the can until homeowners give up. I will not.
Back in XX/XX/XXXX, I wanted to sell my home, so I started the short sale process with Bank of America. Bank of America was so difficulty asking over and over again for paperwork and the Short sale specialist XXXX XXXX from the Bank was very nasty. After months 9 months and 2 potential buyers walked away I wanted to keep my home so it wouldnt go into foreclosure. So in XX/XX/XXXX I recently applied for a loan modification, because BANK OF AMERICA recently did not agree on the price to sell my home to a particular buyer The bank wanted ore than the house was worth.. The home was apprasied at {$110000.00} by Bank of America. Then Bank of America wanted turn around and wanted {$140000.00}. I couldnt believe it. So to avoid my home going into foreclosure I started the Loan Modification process. About three week ago around XX/XX/XXXX I receive a letter from the Bank of America denying my loan for a modification because of my check stubs. So, my representative from Bank of America refer me to the Appeal process Department. I wanted to Appeal and give the Bank wanted they needed, they also denied me for an appeal!!. Something is not quite right about this situation. I am fighting to keep my home! Bank of America has been very difficult to work with. Bank of America is setting me up for failure. Bank of America wants me to lose my home. I need some help to keep my home. This has been a stressful situation. I am able to give the Bank what they need to keep my home. I am asking for loan modification so I can keep my home and have lower mortgage payments to survive. I really need a solution to this problem. I don't want to be out on the streets homeless.Please help me. Thank you XXXX XXXX XXXX number XXXX BAC NUMBER XXXX At the below attachment you will see the rejection letter from Bank of America. This was one of the main reasons I wanted to keep my home.
Left me multiple vocie message advising that they were serving legal court papers on friday between XXXX for a judgment against me. I could contact XXXX and left a refrence ID most of the time they called private but happened to call with XXXX XXXX of the times.
On XX/XX/XXXX, I found out for the first time that my credit report from XXXX had report of serious delinquency regarding a Chase/XXXX XXXX  credit card with numbers starting with : XXXX.

When I called Chase phone number, XXXX which appears on that entry, I was told to call Monday to Friday.

I called back on Monday XX/XX/XXXX at XXXX and I was transferred to Chase credit department . I informed the lady that answered that I just discovered that there is a wrong entry of " serious delinquency '' in my XXXX credit report, an account that I never opened or used and that it has been harming my credit since XX/XX/XXXX until now! I have been affected by this account causing me to always obtain higher interest rates and being denied of my applications. I never knew why until XX/XX/XXXX. I asked her to tell me information regarding that account : who opened it? And, she she said that I was not a primary in that account. I asked what is the mailing address of that account? She kept lying saying that she has no further information on that account but that she would remove it form my record since I was not a primary. Furthermore, she kept repeating that it may not even be related to me at all, that it could have been wrongly placed on my account. I have a right to know what or who has harmed me financially all these years. When I confronted her saying that I do not believe she does not have further information, and that I have been a Chase customer with good standing payments for years, she accepted that she has more information but can not share it with me. I am very upset of all the financial harm this wrong entry has caused me all these years, and all she could say is " if you had called before when you found out, we would have removed it before ''. I said I just found out, I pay all my bills, why would I think there is something like that in my credit report?

I have the right to find out more information on an account that has been damaging my credit report for almost 7 years. Please help me find out who was the owner of that account and what was the mailing address?

Thank you, XXXX XXXX
I am absolutely certain that my rights have been violated by Navient on more than one occasion. From the harassing phone calls, to the erroneous late payment notices, practically being forced to go on forbearance in order to try and prevent reporting to the credit bureaus. I would greatly appreciate some help looking into my accounts and history of my relationship with Navient. I am more than confident you will find several occurrences in which they have violated the law. 
I look forward to hearing back from you. 

XXXX XXXX
Good Afternoon. 
I have taken advice from all three paid credit burough service platforms created to help and protect the public. Each paid service also advises on how to increase your Fico score. They also claim to help the consumer tobremove information that is derogatory due to inaccurate reporting..examples : Credit, loans, address misinformation from external sources. 
I have followed the steps to repair, retore, increase Fico and Credit scores from the following : Experian protection and score updates. XXXX two separate and consumer pay for alert and advice..And another service from XXXX. 

I pay each Credit Agency monthly an or yearly. 
I have a complaint and also I feel that I need to advise you that these services have both helped and hurt my Fico and My overall Credit scores. The services heavily push applying for Credit cards and in my case push to apply for personal and home buying loans. 
Hence my score is down. 
Experian will not lock my report. I have upgraded to the highest level of credit protection service and still no help acquiring my Fico.. no help making a dispute ... I have 5 or more incorrect claims in my reports. 
Yet a Store Card sent a letter notifying me that they are lowering my credit XXXX dollars due to information obtained by Experian, XXXX and from XXXX. The card had a small limit of XXXX. I used the card twice. I paid off the card after the first use and I currently have a small balance of which I will pay off and close the account. 
I have other concerns. 
Please help. 
Thank you.
I took out 6 student loans during my time as a student of the University of XXXX. Upon Graduation, I requested that XXXX would put my loans in deferment until I was able to get a job and start repaying my loans, which they agreed to do. On my credit report, it is showing that all 6 loans from XXXX has a 90-day late payment as of XX/XX/XXXX. I called XXXX today ( XX/XX/XXXX ) and spoke with XXXX about this issue. XXXX agreed with me that the marks should have never been placed on my account and caused my credit and payment history to suffer, but that she was not able to do anything about it.
I keep noticing credit inquiries from a company called Clarity on my credit file that i did not authorize. I have never ordered a report or authorized this company to pull my credit report.
We took out a loan modification with Bank of American that was completed on XXXX/XXXX/2015. The loan documents should have been sent to the XXXX XXXX Recorders office in XXXX XXXX, NV on XXXX XXXX. They were not and have not been sent as of today 's date of XXXX XXXX, 2015. We have called Bank of American on numerous occasions each time speaking no less than XXXX hours while being passed from person to person and department to department. Each time we have been assured that the document was sent except for XXXX time being told it takes the recorders office XXXX days to record a document ... that is there standard pat answer. I both called and visited the Recorders office in person. They told me on XXXX occasions that it takes only XXXX days to record a document once it is received. The recorders office gave me a print out showing all documents that have been received and recorded on our property. The loan modification is not on the list! We spent XXXX hours speaking to Bank of American on Thursday and another hour today and nothing has been resolved. We are considering selling the home but no realtor will list the house until the recording of the loan mod is done. We do not feel that we should be required to make payments on a home that is not recorded in our name or that we should stop making payments which would have a negative impact on the credit we are trying to rebuild. In addition, BOA forced insurance on the property. The insurance they have only protects their interest in the loan balance and not our equity. We purchased a policy with the United States XXXX XXXX XXXX on XXXX XXXX, 2015 that protects the interest of XXXX parties. A copy was sent to BOA by the insurance company on XXXX XXXX, 2015, however, BOA has for XXXX months insisted that they did not receive it. So we are left paying for XXXX policies, XXXX from the escrow account and XXXX from our pockets. On Thursday they finally took the insurance information from me but have given me no proof that they actually put the information into the system. There is no reason for BOA to delay in sending the documents.
Back onXX/XX/XXXX after a escrow analysis that would have raised my mortgage payment, my husband who is sole borrower requested if lender Mr. Cooper formally Nationstar would get rid of cushion in order to keep payment same. They agreed and refunded us approx {$1400.00} dollars in which we returned half back in escrow account. After paying XXXX payment I got XXXX statement which said their was {$1600.00} in escrow. Since I knew I would be paying XXXX payment on the XXXX we called and they told us they pay town on the XXXX of quarter due. So onXX/XX/XXXXI planned to call and make up difference in escrow to cover a tax payment Due XXXX I was shocked to find out they had made payment without telling me on XX/XX/XXXX and I have no statement as of today stated that payment. My current statement which was issued on XX/XX/XXXXindicated nothing of this transaction. My escrow account became {$730.00} negative so I made an over the phone payment to escrow today to bring us to positive balance. I will be able to provide documents when I get access to scanner. 

My husband went back thru old statements and discovered they had down this in past paid 2 weeks early and there were months they paid on XXXX ( town gives grace period till the XXXX ) which is what we were told via customer service when we lost cushion so I could keep track and know when I had to have the escrow covered for property taxes. 

In summary all my closing papers indicate is that they must escrow and pay taxes. This is very frustrating because I need three months worth of escrow payments to make these quarterly tax payments and I was not given chance when they paid XXXX quarter early. How early are they allowed and they did this with no indication on statement I do not call them every month for additional dismemberment info, I was going by latest statement which was not even correct. My husband requested taxes be taken out so that is pending. I just want to know if they had the right to do this. I also believe that the constant increases were partially due to them paying taxes early before I had the chance to give them my payment by the first. The past tax increase would have only been a XXXX $ increase that is why we asked for cushion to be removed. We FHA streamlined 4 years ago to bring payment down that is why the cushion was removed, we have never been late since start.
I applied for a loan with Big Picture Loans for an amount of {$400.00} and was approved. In the Loan details it was stated there would be a {$140.00} Finance Charge and I agreed making the total amount {$540.00}. 
I was NOT informed of the whopping 974.0608 % Interest Rate that I would be charged and the Finance charge of {$1800.00} making the total amount to be paid $ {$2200.00}, There is absolutely no way I would have agree to this Loan if I had been told the truth upfront but I was not able to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. This is illegal and I will be taking it further.
I have disputed an authorized inquiry for the last 90 days, an inquiry that I did not authorize. No response back from credit bureau and it is still on my report.
On XX/XX/2018 I paid off my loan to the collection agency XXXX XXXX XXXX for the servicer XXXX, but I can't get any information on the status of my student loan. XXXX 's Log In is disabled on their site, I can't view my SAR on FAFSA,  my loan status is outdated at NSLDS. It only shows an old balance and old interest and all the loans in default. I can't find any updated status on my student loan.
Business & Professional ServicesXXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX {$65.00} # XXXX XXXX {$29.00} # XXXX XXXXXXXX XXXX I have attempted to have the above Collection Company ( CC ) , Business & Professional Services verify the XXXX above accounts they were reporting to the XXXX ( CRA ) , Credit Reporting Agencies XXXX , XXXX and XXXX, as being mine. Since the CC was NOT able to validate the XXXX debts within the XXXX days allotted, XXXX and XXXX DELETED them. CC continuously fails and is ignoring my requests to produce documentation from XXXX and XXXX, that I received services, what the services were and that they are authorized to collect on their behalf. This is despite the approximately XXXX requests to the CC and the CRA, XXXX, to investigate. based on lack of verification, they still continue to report these XXXX accounts. Because they are so small, I almost wanted to just pay to delete, but decide that this CC has to follow the laws like the others. I have asked the CC for their documentation from the original businesses ( XXXX XXXX XXXX ), that I received services and what services and to prove that they were assigned to collect on their behalf, from me. All the CC did was send a letter stating ; the accounts were mine. That is NOT adequate proof and they know that. I am listing the dates below of who I have either called, emailed or written in regards to these accounts. I would also like to find out how to pursue damages from either parties for violating The Fair Credit Reporting Act. 
XX/XX/XXXX filed dispute with XXXX-no responseXXXX/XXXX/XXXX emailed CC-no responseXXXX/XXXX/XXXX offered to pay reduced amount for deletion, just to get rid of-no responseXXXX/XXXX/XXXX CC sent me a letter stating that accounts " are valid ''. 
XX/XX/XXXX filed complaintXXXX/XXXX/XXXX complaint closed before I could verify CC addressXXXX/XXXX/XXXX emailed CC to verify acct-no responseXXXX/XXXX/XXXX offered 70 % off payment to delete-no responseXXXX/XXXX/XXXX wrote dispute letter to XXXX showing copies of deletion from XXXX and XXXX-says they do n't base their findings off of other CRA findings-I thought they were suppose to share info. 
XX/XX/XXXX file new complaintPlease help me!! 
They need to produce documentation from XXXX and XXXX that I received services and that they are authorized to collect on their behalf. 
THANK YOU!!
I have a line of credit with PHC Bank and on XXXX XXXX, i went on line and submitted a {$300.00} payment from my checking account to my XXXX line of credit. I made a mistake and submitted to an account ending in XXXX. I called the bank on XXXX XXXX and was told that yes they received the payment and it was posted to loan account XXXX and it would take XXXX working days to make the correction and redirect the payment to my visa line of credit. I have called several times and was told they could not find an account ending in XXXX. I called again today and after speaking to the credit department loan department and someone in customer service I was told that it would take 10 days for them to research, find the payment and credit to my lline of credit. I told them this would probably cause them to charge me additional late fee and interest on the payment. They indicated that since it was my fault by posting to the wrong account that if extra fees were charged that was my problem. I then stated that I sent the payment XXXX XXXX and the payment was not due until XXXX XXXX that even though it was posted to the wrong account why would it take so long to correct to the proper account which is the line of credit. I asked was it because they can not locate the XXXX account where they said it was posted. I feel that I am getting the run-around and they can not locate the {$300.00} payment now even though I was told that it was posted to XXXX and now they say they can not find an account ending in XXXX Need your help in resolving this issue. Thanks XXXX XXXX My desired resolution is for PNC to locate {$300.00} payment, post to my account and not charge additional interest or late fee as I did get the payment to them on time and they should be more careful in looking at account numbers they should have realized that loan number XXXX had been closed for years so why post a payment to this account.