WillisBack/dataset-financial-user-claim huggingface dataset:
I got my 3 credit bureau report from XXXX which is a service provided by Experian. When I got my reports on XX/XX/XXXX, my credit scores were as follows : Experian : XXXX XXXX : XXXX XXXX : XXXX Later on today XX/XX/XXXX when I obtained my 3 credit bureau report, it showed that my score has dropped significantly, as follows : Experian : XXXX XXXX : XXXX XXXX : XXXX There has been no changes to my report between XX/XX/XXXX and XX/XX/XXXX. No inquiries, no new debt, no new accounts, no missed payments etc. So I do not understand what caused this massive score drop. I tried to contact the credit bureaus via phone but they couldn't explain what caused the score drop even when there were no changes to my report and said that they can only file disputes. Since they were not able to provide me with a reason for the score drop, I don't understand what information I needed to dispute. 

The only reason I can think of is that, I disputed a XXXX account with all 3 credit bureaus. Probably, my dispute, changed the charge-off date to show that it happened recently. Probably in the eyes of XXXX it shows that the charge-off just happened and my scores dropped. Apart from this, there is no other reason for such a huge score-drop. If this is the reason, this is a violation of protocol where the bureaus need to report accurate information. They can not change the charge-off date to recent when it had happened over 2 years ago. As mentioned on CFPB website, filing a dispute does not renew the debt neither does it change the date. If it does, this is a huge step back for consumers who wants to file a dispute. I have attached my credit reports from XX/XX/XXXX and XX/XX/XXXX, which shows all my account details as well as my credit scores. 

If filing a dispute results in a score drop, US citizens are not safe. I am trying to get a home loan, but with this massive score drop, my chances of approval will be very slim and even if I get approved, the mortgage rates will be really high.
I moved out of  XXXX   XXXX  in  XXXX   XXXX . In  XXXX   XXXX , the apartment complex engag ed IQ Data International dba R ent Collect Global to collect a debt of {$120.00} they claimed I owed for cleanout of the apartment I vacated in  XXXX   XXXX .  <P/> I disputed this debt with both the apartment comple x and IQ Data. B oth parties maintained that I owed the debt.  <P/> I sued the apartment complex  in Justice Court to have the d ebt cleared and my apartment deposit returned. On  XXXX   XXXX ,  XXXX  t he Justice of the Peace issued  the judgement on this case in my favor. In  XXXX   XXXX , the  XXXX   XXXX  wrote a check to pay the court costs and return my deposit.  <P/> 
IQ Data has refused to stop reporting this debt to the credit reporting agencies   XXXX   XXXX   XXXX   XXXX  . I   disputed the debt directly with all  XXXX  credit reporting agencies.   XXXX   and   XXXX   have removed the collection from my report.  XXXX  has not.  <P/> Per my current  XXXX  credit r eport, IQ Data Collections has inc reased my debt due to interest owed to {$130.00} and continues to report this debt as of  XXXX   XXXX ,  XXXX . I have written  to both IQ Data and  XXXX  on multiple occasions to remove this mark from my credit history, but IQ Data maintains that I owe the debt despite being presented with the court 's judgement.
I was {$48.00} behind on our mortgage because our town raised taxes and our escrow account fell behind. GREEN TREE SERVICING called my XXXX year old mother who lives in a different city and has no connection to the loan and told her we were behind on our mortgage. She said she did n't sleep for two days worrying that we were in financial trouble. Since I could never think a real company could do something like that I told her someone was trying to scam her and then she worried about that too. Major violation of privacy and unfathomable business practices to just call relatives and talk about someone 's finances. They already got in big trouble for this in Vermont, but they are still doing it. ( This happened in XXXX 2015 )
On  XXXX   XXXX    XXXX  , I submitted two payments to  XXXX  USAA credit cards for  XXXX   XXXX  posting. One for {$50.00} and another for {$350.00}. The {$50.00} payment posted on  XXXX   XXXX  and was available for use on  XXXX   XXXX . The {$350.00} payment was placed in a pending status, the funds cleared my  XXXX  account on  XXXX   XXXX , but the service representatives I spoke with on  XXXX   XXXX  did not do anything to make the funds available. Because of this, my daycare payment will be late and I will be charged a lofty late fee. In nearly 8 months of having both of these credit cards, neither has ever had a hold placed on a payment for more tha n 1 business day ( hence m y reasoning for posting a payment for  XXXX   XXXX  - to give it 2 days to post ). The representative and his superviso r (   XXXX   XXXX  and  XXXX   XXXX   ) were  only able to tell me that this was standard USAA practice to place funds on a 7-8 business day hold and there was nothing they could do.
I went to Wells Fargo in XXXX to advise them that, as a result of a XXXX, traumatic event, and various health problems that resulted in hospitalization, I would have no income for the remainder of 2017. Thus, I would be unable to make my upcoming credit card payment. I asked them to discuss options to pay off this debt without incurring late fees, severe interest charges, and so on. 

They advised me to NOT make a payment on the account and that once a certain amount of time passes, they would be able to assist with refinancing this debt ( they even provided the specific options that would be available, such as switching the debt to a XXXX interest card ). They assured me that since I was a Wells Fargo customer for XXXX years and never missed a credit card payment, they would be able to work with my situation. 

Per their instruction, I did not make payments and went back to Wells Fargo after the suggested timeframe ( into XXXX ) so that I could discuss this with them as well as discuss why I was charged fees even after speaking with them. Then they advised me that they can not do anything to refinance and I am required to pay the balance. 

I have incurred {$500.00} worth of fees in the timeframe during which I was sick and hospitalized on numerous occasions.
Capital One unilaterally closed my credit charge account on XX/XX/XXXX while I was traveling XXXX in XXXX, XXXX XXXX XXXX. I used the card to pay for a rental car " XXXX XXXX Rent A Car '' and one day later my account was closed without explanation. Capital One falsely/erroneously reported to the bureaus and myself that the account was closed " at the consumer 's request. '' I believe that Capital One 's decision to unilaterally close my account that was in perfect standing for 14 years was racially/religiously charged.
XXXX XXXX XXXX XXXX has reported incorrect information, and these collections should have been taken care of already. I had insurance at the time and they never billed insurance. They were to remove the XXXX items three months ago, and they still appear on my credit reported, hurting my credit as they are in collections with Wakefield collections/XXXX XXXX XXXX center. Please help me to get these removed.
I have written to XXXX on a minimum of three occasions requesting proof that this account is mine. I have no recollection of opening an account with them and certainly did not fail to pay any amounts owed. 

They have not sent me a copy of the written agreement which supposedly I signed nor have they provided me with a pay history from the beginning of the alleged account opening. 

This charge off is harming my credit profile and score.
The day of XX/XX/XXXX XXXX my insurance payment had gone through which over drew my account, that payment was {$160.00} and some change. I called the bank the next morning they said if I had the money in by XXXX I would be fine. During the day of XX/XX/XXXX, I worked all day to cover those funds. During that day I spent more money on gas {$25.00} and some change and also some food ( two charges ) Knowing I would also cover these charges. Before XXXX I covered the insurance payment. I also covered all the other payments. By the time I ended work that evening my account was in the positive amount. 
The next morning I woke to three insufficient funds, charges from the gas amount and two food purchases. Even though my account was in the positive. I called headquarters and the man was saying stuff that didnt make since, even though he clearly admitted seeing my account was in positive the night before. He kept saying some excuse, was actually unfriendly. He wouldnt help me. I then went to my local branch and they wouldnt help me either. Now my account is {$100.00} in the negative, from three {$34.00} insufficient funds. 
That day XX/XX/XXXX I had to get more fuel for my car. I spent {$45.00} on fuel and again I made money to cover that amount before XXXX XXXX. And had deposited in my account. Then the next morning they added another insufficient fund to my account totaling 4. I stopped using the account and putting money into it because I cant afford to pay off these fees, my money needs to go to things that are needed. Also this incident is messing up my scheduled automatic payments that are starting to roll in.
In XXXX of XXXX me and my family went on vacation and stayed at XXXX XXXX  XXXX. We decided to take a promotional deal which was cheaper then regular price but had to sit in on a Timeshare orientation which was only supposed to be forty five minutes long and turned out to be about 3 hours long. while in this orientation we were told that it would be in our best interest to invest in one of the timeshares on the resort and how it would be a great financial investment for me and my family. The agent at the time was using very aggressive tactics to influence a decision to buy in. unfortunately we fell for the pitch and we were persuaded. We sat in a room and waited to sign documents for a Mortgage to purchase this Timeshare in the amount of XXXX. We were provided with an XXXX which had all of the legal documents which at times the print was very small and hard to make out. while i was trying to read through it i was assured that all was OK and that i had nothing to be concerned about. legal documents are long and confusing which i now understand are made to be that way for a person who 's not a lawyer, an really cant make the best decision. We were never told about a ten day clause which would 've allowed us enough time to get out of this contract before it was to late. We only read about that clause when we received our electronically signed documents through the mail almost two weeks later. We do n't want any money back, i just want to get out of this nightmare. I would n't want any hard working family to have to be in debt to this type of scheme. We later read that we would be paying for the maintenance fees well after the mortgage was paid off. We even found out that if me or my wife XXXX that our kids would be responsible for making the mortgage payments. that 's just not right. We are not a financially wealthy family and we can not afford to pay for this. Please help us find a solution.
I had an hoa payment due to my association I 've made several attempts to pay it but each time was directed in the wrong direction then they advised me they sent it to collection the collections company sent a letter XXXX month ago with no numbers to contact them got a letter yesterday and decided to go on a search for their number found it and the told me the amount I owe now is over double what I actually owed in the first place I do n't think those fees are fair considering it 's only been in collection XXXX months and they would n't work with me can you help?
Atlantic Credit & Finance , Inc . 
XXXX XXXX XXXX XXXX, VA XXXX This company was asked to stop calling me at work on several occasions. This started in XX/XX/2018. I have repeatedly told the young lady, XXXX, that my work does not allow me to get personal phone calls. Not only does she not listen she continually calls back and harasses me at work. 
XXXX is the number she continually calls me from. Her extension is XXXX
This company named first national collection bureau, inc. continues to send me letters, and phone calls concerning a {$2100.00} debt that i have never owed, and or have any ideal about. iv mailed them 3 letters in the past two months advising them of the same. but they continue to contact me. i have attached the most recent letter from first national collection. dated XX/XX/2018 2018
On XXXX {$1200.00} was transferred out of my Wells XXXX checking acct illegally, without my authorization. It was deemed bank fraud by Wells Fargo. They have admitted that fraud occured on my acct. 
Wells Fargo still has not refunded me the {$1200.00}. I call every day and they tell me that " the credit was given to you, but you ca n't see it online. '' My balance does not reflect {$1200.00} being refunded in my acct. Wells Fargo is corrupt. Please help.
There are several discrepancies are my credit report I 've spoken with more than several people at each of the CRA 'S and they will not correct my credit report in the way its supposed to read on toward the public. XXXX of the account in XXXX Dept of ED/XXXX continues to read PAYS AS AGREED and the account has been PAID and CLOSED that 's the way the account is supposed to read also XXXX has stated that they do n't report account as PAYS AS AGREED only as CLOSED and PAID when and if necessary. 
Ihave documentation from XXXX stating these facts and have sent it to them and no change in my credit report. Also I only have XXXX negative account from a {$200.00} credit card that 's CLOSED and PAID at this time and when I paid the account the account went into good standing with all CRA 'S although it still reports as a negative on credit report for seven years and I understand that but also in the scoring module its a positive factor to close and pay an account and it gives you a higher score rating for the closure of the account whether it was good or bad and again I have not received any points in the positive.There are several more discrepancies but one thing can be done and that 's to update my credit report by hitting ENTER on the keyboard after highlighting an account in the correct areas like the STATUS or BALANCE even though it might say XXXX hitting the ENTER key after highlighting the account will update my credit report and score correctly. 
I have a good credit report and my score is much too low it should be much higher please help with these issues and help correct my credit score.
As soon as it appeared on my account. They company agreed to take the reporting off my credit since I showed proof of being a victim of identity theft. But keep placing back on my account using an different creditor.
Whitney Bank refuses to provide a XXXX letter of a promissory note sent to me in XX/XX/XXXX that accelerated the beginning of the statute of limitations at that point, They are now stating that they can not find the demand letter and that it does not exist while suing me for the promissory note deficiency and claiming the Demand/.Acceleration letter was never sent. They have however furnished every document that is pertinent to their claim. We have an internal ledger that states the demand was sent in XX/XX/XXXX. I need to compel the bank to furnish the XXXX
CREDIT SUPPRESSION REQUESTED BY ALL CREDIT BUREAUS.  XXXX , EQUIFAX,  XXXX  AND  XXXX .     PER THE  F.C.R.A  LAWS.
Amcollent showed up on my credit report. I do n't owe anyone. My bills are paid on time. Also I have never lived onXXXX XXXX.
I have never received any documentation or any type of response from XXXX XXXX XXXX. I have no clue as to who this company is. I checked my credit report and sawthat they were trying to collect a debt from XXXX in the amount of {$320.00}. I have never received anything from XXXX and I previous was disputing that matter. The account for XXXX XXXX shows that it was open on XXXX XXXX, 2017. As of today, I have received no correspondence from them.
On XXXX/XXXX/2015, I logged into US Bank 's website, and scheduled a payment for {$1700.00}, which is customary. The payment was scheduled to be delivered on XXXX/XXXX/2015, which is within my grace period. The bank XXXX the payment in the online form, which caused {$3400.00} to be debited from my checking account. I did n't pay close attention, and actually authorized the payment. The bank refunded the 'official ' late charge by using the one-time-life-of-loan-late-charge-forgiveness, but I still had to pay US Bank a {$20.00} return check charge, and an additional {$5.00} 'processing ' fee for making a payment XXXX days past the due date. In addition, I had to pay a {$29.00} insufficient check charge to my own bank. 
This month ( XXXX ), I again scheduled an on-line payment on XXXX ( today ), to be delivered on XXXX. This time, the bank did not XXXX the payment on the online form. 
I believe there is a flaw in the bank 's online payment system, but they refuse to acknowledge it and refund the {$54.00} fees. 
Additionally, they have started a practice of calling me and wanting to know when I am going to send my payment, even though I am still within my grace period.
My private lender has no information about discharge of debt with their finical institution. They also have no information available loan forgiveness. They have also reported all interaction to all major credit agency. I have paid a few days early on each payment. furthermore I have paid a little bit more than the minim payment each month for the past 3-5 years. 
With the collapse of my educational institution. A few of the student from the private and public sector that went to the college. We have gotten together to find solutions as a borrower. The first was the U.S. Higher Education Act, a law passed XX/XX/XXXX. For example it would be impossible to continue a degree from this institution. Because one they are closed and two they are not accredited. For fifty years this institution had no accreditation with any other education institution. They were known to have take private money funds from veterans ; who earned their degrees between XX/XX/XXXX-XX/XX/XXXX to pay for their own debt though. In XX/XX/XXXX alone XXXX veterans attended itt, according to student veterans of america. XXXX gi bills were planned to be used with the fall registration in XX/XX/XXXX.
On XX/XX/2018, I received a fraud alert text on my Citibank credit card. I immediately contacted the company and indicated the attempted purchase was not being made by me or my husband. At that time, I learned that there were three other charges that were not made by me or my husband : 1 ) a charge at XXXX 's in the amount of {$500.00} ( XX/XX/18 ), 2 ) a charge at XXXX 's in the amount of {$500.00} ( XX/XX/18 ), and 3 ) a charge at XXXX XXXX XXXX for {$1.00} ( XX/XX/18 ). These charges were initially credited back to my account. 
I was later questioned about whether or not I had possession of the credit card ( it was actually my husband 's card, but he was never contacted about this incident ). I initially indicated the card was in his possession at the time the fraudulent charges were made. I later learned this was incorrect. It took a couple of weeks for my husband and I to realize that on the same day the first fraudulent charges appeared ( XX/XX/18 ), someone broke into my husband 's locked gym locker at XXXX XXXX XXXX, damaging the lock in the process ( the lock was still on his locker after his workout, it was just so badly damaged it no longer functioned and the gym personnel had to cut it off ). His wallet and all his other items were still in the locker and he did not notice his Citibank credit card was the only item taken from the back of his wallet ( we rarely use this card ; the last time he had used it for a purchase was XX/XX/2018 ). 
The company 's initial finding on XX/XX/2018, was that my husband was in possession of the card at the time the charges were made and therefore, we were responsible. Since this initial determination, I have contacted the company by phone on XX/XX/2018, XX/XX/2018, and XX/XX/2018 providing additional information to include two police reports filed in XXXX XXXX, Texas ( where the card was stolen ), and XXXX XXXX, Texas ( where the fraudulent charges occurred ). 
Lastly, on XX/XX/2018, I provided written correspondence including sworn affidavits from me and my husband, time cards from my husband 's work ( indicating he could not have made some of the charges because he was at work when they occurred ), text messages ( showing the date someone broke into his gym locker ), and phone records. I sent two copies of this package -- one to customer service and one to security service -- neither department has responded to or even acknowledged my correspondence ( tracking information indicates these packages were received on XX/XX/2108 ). 
I am seeking to have these fraudulent charges credited back to my account.
XXXX offers a special event payment program where the payments can be deferred up to 12 months. The payments have not been applied properly for the past two months. The payment allocation should be first to the revolving balances and then to the special event program. I was informed by XXXX that I will have to call every month to have the payments applied properly. 

Interest charges have been levied to the revolving account balance inappropriately. I have paid the revolving account balance in full each month.
I ordered a pair of sunglasses from XXXX which is a website/store out of XXXX. I paid for the glasses along with the shipping and fees at time of purchase ( shipping was {$0.00} which is stated on the order receipt that I attached below ). 

I now received a notice that I owe XXXX {$28.00} for Shipping ( now {$32.00} due to interest ). 

I believe that XXXX would owe this debt because as you can see on the attached document of my receipt, it says {$0.00} for shipping and there is a statement underneath the order that says if I am charged by customs for shipping that they will refund me 100 % ( that is implying that that should not happen but just in case it does ... ). Also, as you can see at the bottom of the email communication that i attached, I can not get a hold of them because the email gets rejected. 

As you can see in the attached, I have countless emails ( and lots of stress ) with this company because they sent me a NON-polarized sunglasses when I ordered a Polarized pair. They kept denying that I bought Polarized ones even though I sent them 'screenshots ' of my receipt that said " POLARIZED '' right in the description. I also sent them pics of their live website that reflected the same info. As you can see, they finally realize they were wrong and sent me Polarized lenses to replace in my frames. And now after all that stress I am left with this Shipping issue that is their responsibility because they would 've needed to tell me that I would owe {$28.00} and have to XXXX them for the refund. Their website should 've stated that I WILL get charged by customs and will need to get a refund ( but nothing works that way ).