WillisBack/dataset-financial-user-claim huggingface dataset:
I check my credit score every day and on XXXX XXXX my credit score was at XXXX, but when I checked it on XXXX XXXX, 2016 my score had fallen to XXXX ( XXXX devastating points ). I contacted XXXX and Equifax and discovered that XXXX ( Student Loan ) reported my XXXX payment as 30 days late although my payment was due on XXXX XXXX, 2016 and I made my payment on XXXX XXXX, 2016, which is only 15 days late. I would like to dispute the 30 day late payment for XXXX 2016. 
I have attached receipts of my on time payments with this letter for the last six months. My next payment is n't due until XXXX XXXX, 2016, so a receipt for that payment is not included. I am preparing to purchase a home for me and my daughters and am devastated by this set back after proudly watching my credit score rise over the last six months. 
Today, XXXX XXXX, 2016 my score rose by XXXX points to a high of XXXX with XXXX. I have no recent late payments and these credit reporting bureaus are playing with my credit score raising and dropping my score as they see fit. I spoke with the credit bureaus and they provide very limited information. I also spoke with XXXX, my student loan provider and they have confirmed that I do n't have any late payments with them. I have gone through my entire credit report and there are no recent missed/late payments that would 've caused my credit score to drop. This situation bothers me even more today than it did on XXXX XXXX, because my score rose XXXX points today and if if the credit bureaus had not dropped my score on XXXX XXXX I could be well on my way to almost a XXXX credit score. I really need assistance with this because I am making all types of sacrifices to make sure my payments are on time and I am trying to change my life as well as teach my teenage daughters about credit in the process. Please help me with this i beg of you!! 
Also, on my credit report it shows that I did n't pay the full balance to XXXX for a XXXX XXXX account I had. I have attached receipts to show that the account was paid in full. 
Please let me know if you need any additional information to expedite this request.
I have never been evicted. The report done by Screening Reports shows XXXX eviction notices. XXXX notices are the result of the rental company filing paper work too quick and not giving me a chance to take care of things. The XXXX from XX/XX/XXXX was quickly rectified, we never went to court. The XXXX from XX/XX/XXXX was a mistake. I gave the landlord written notice of my intentions and the next day I received confirmation of this information. I left when I said I would. Several days later I received a intent to evict. I called the landlord and they said they would take care of it. If they would of taken care of it there would be NO record on my report. I explained this to Screening Reports. They told me, " there was nothing I could do about it and it would be there for XXXX years. This is not fair. I was never evicted. I fell behind XXXX and now I am unable to find a place for my son and myself to live.
You have helped us earlier in a related matter ( Case number : XXXX ). 
After your involvement, as well as a phone call from our Congresswoman, XXXX XXXX, Bank of america ultimately did not foreclose on my father-in law. 

However, every XX/XX/XXXX they raise his mortgage a few hundred dollars and my wife and I have to go through quite a bit of red tape to get this problem solved. My father-in-law died XX/XX/XXXX and my wife and I are in the process of selling this house and we are making the bi-monthly ( every two weeks ) payments in the mean time. 

This is all related to the previous problem of the foreclosure notices. Here are the details. 

My father-in-law has a bi-monthly mortgage he got from Countrywide. B of A subsequently acquired Countrywide -- B of A does not issue bi-monthly mortgages and their computers do not recognize them. B of A computers register the first payment of the month ( as being deficient ) and do n't register the second payment at all. This is what caused the foreclosure statements in 2013. 

B of A had no clue what was going on here -- I figured this out for them and although, with your help, they stopped the foreclosure they still have not updated their computers. As I have stated, though these are referred to a bi-monthly mortgages, the payments are actually every two weeks ( 26 payments a year not 24 ). B of A 's computers are not counting the two extra payments and every XX/XX/XXXX they say that escrow is short and raise the payments a few hundred dollars a payment -- every two weeks! 

Every year they say it 's because the taxes and insurance have gone up, which is true, the insurance goes up maybe {$20.00} and the taxes about {$50.00} but that does n't add up to an additional {$200.00} times 26 payments. 

So every year we have to go to the bank, have them get on the phone with the mortgage folks and painstaking point out to them their errors. When they finally figure out what 's going on they tell us that we will just have to come back every year to straighten things out. This year the mortgage folks passed us off to collections which is where B of A is now dealing with all of the Countrywide bi-monthly mortgages. 

When the foreclosure issue was initially resolved, I asked our branch VP how many people B of A had thrown out of there houses for this same accounting problem, she admitted " probably a lot ''. 

Please have B of A fix this issue. Better yet, put them out of business. They are not too big to fail. They are too big to conduct business in an efficient and lawful manner.
I had a checking account in good standing for almost a year with Citizen's bank. During my history with this bank, I'd had several deposits made through my XXXX account to my checking account with Citizen's without problems. In XX/XX/XXXX I had XXXX sent from my XXXX account to my Citizen's account. XXXX has confirmed the transaction was completed but Citizen's is claiming they don't have it despite having a confirmation and ACH trace number from Paypal proving otherwise. Despite my having a good standing account with Citizen's for almost a year and my providing these confirmation numbers, Citizen's rudely closed my account in XX/XX/XXXX They are claiming I owe them over $600.00 and have reported me to 3rd party companies that they closed my account for "Account Abuse".
Bank of America refused to renew a home equity loan that I had had since 2000 because of a fraudulent quit claim deed on my property. While I was in a process of loan modification, they reported me as delinquent to the credit agencies and my score went down significantly and now I ca n't get a home equity loan from another bank. Bank of America will not answer my emails. I have XXXX contacts there but they will not talk to me anymore. I have a detailed letter that I would like to send you but I ca n't see any way to do this on the website. 

FYI. None of the above options accurately identify my problem. You should have a " None of the above '' option.
I was checking my credit through   XXXX   XXXX   and had to accounts pop up that are not mine. It was Common wealth financial systems. The original creditor on this bogus or fraudulent account is  XXXX    XXXX   XXXX  . I have no information on this account .Have not used there services. Have no idea how they got my information. This is not my debt. There where  2 accounts one  was for  XXXX  dollars and the other was for  XXXX  dollars. I 've sent direct disputes on  XXXX  and  XXXX . I 've tried to call common wealth financial systems with no luck it 's always automated and always keeps you on hold.
I have tried to work with American Education Services ( AES ) who serviced my loans since XX/XX/XXXX to come up with a payment plan to pay off my loans, they refused to help and allow me to pay an amount I can afford while I was back in school. I stated I had every intention to pay the loan and no luck with a agreeable payment plan. It got to a point where the payments on two loans were more than I could handle, thus, my loans defaulting. I have two private student loans that are serviced with American Education Services ( AES ). Loan #  1 ending in XXXX defaulted in XX/XX/XXXX. Since then, I have had three or more different companies try and collect the debt. AES reported to the credit bureau that the status was transferred, closed, {$48000.00} written off. Since XX/XX/XXXX I have been getting letters to collect the debt. In XX/XX/XXXX, I contacted XXXX credit reporting to dispute the loan and ask that it be removed from my credit report because the company, AES had sold my loan to several debt collectors, all whom are trying to collect debt from me and they had violated the original agreement. Currently remains on my credit report. AES also failed to provide me a XXXX, a tax from needed for cancelation of debt since they reported it was written off. I contacted AES, asking for the cancellation of debt and they stated they did not need to provide one as the account was transferred to another lender. Loan # 2 ending in XXXX with AES was defaulted in XX/XX/XXXX. Reported to credit agency as transferred, closed, XXXX XXXX written off. Same situation as described above, just second loan to default, asking for it to be removed, still on credit report, different companies trying to collect the debt, no XXXX tax document.
I tried to do this but was told I was not eligible to dispute the information online and needed to mail my identity sensitive information to them but for security reasons they would not mail the information back to me. I am not comfortable with mailing my drivers license and social security card to them. This is keeping me from being qualified to purchase a home and is VERY time sensitive. Experian Credit Agency has my SS # incorrect in their records. I also tried calling them but was unsuccessful in getting to speak with a person
The whole issue started from me never receiving a bill from the hospital that apparently the hospital then sent for collection. The debt collector agency keeps calling me repeatedly, when i ask them to provide a copy of the bill they refuse doing so saying that they do not have that information. The lady on the phone keeps hanging up on me when i ask her to provide information about the charges I have to pay for and she keeps raising her voice on me and starts yelling that she will send it to my credit report, she is doing all of that while yelling at me and constantly interrupting me. They also called me the first time saying that I owe one amount ( something between {$900.00} and {$1000.00} ), but sent me a notice with a different amount ( {$720.00} ), that is why I requested the copy of the bill that would explain what charges are being put on me, but she just keeps yelling and hangs up on me. The notice ( " Account Status '' ) was sent to me after I requested a copy of the bill or explanation of charges over the phone, but they sent me just simple account status with amount charged being different from what they told me over the phone. I do not know how to talk to her as she is being very aggressive while i am trying to resolve the issue. I tried talking to the agency several times but the lady ( always the same person ) just keeps harassing me.
My name is XXXX XXXX .I have a few items of personal information on my file that is inaccurate First I would like to request a opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX , EQUIFAX , XXXX  inquires regarding all personal information. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I am a XXXX XXXX my company is XXXX XXXX XXXX XXXX XXXX XXXX. I have had issues with addresses on my credit report that do no belong to me. The following addresses are not accurate please delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX OLD XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX CT, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Received letters from MCM attempting to collect on Statute Debts. 9 years old or so. Claim offering reduced amount. These debts are statute and are not on my credit report. 

Furthermore, another debt was already disputed with credit reporting agencies and correctly and appropriately cleared from my credit file. 

XX/XX/XXXX XXXX XXXX XXXX Charged off and removed from credit file XX/XX/XXXX XXXX XXXX XXXX XXXX ( Statute account ) XX/XX/XXXX XXXX XXXX XXXX ( Statute Account ) Letter received is dated XX/XX/XXXX from MCM MCM XXXX XXXX XXXX XXXX XXXX CA XXXX
On XX/XX/XXXX I have opened Key Express Checking account in Key Bank branch ( XXXX XXXX XXXX XXXX, XXXX, ID XXXX ). I never had an account with Key Bank before. This account was opened under the documented, written award agreement, which stated : MAKE A DIRECT DEPOSIT OF AT LEAST {$500.00} AND A COMBINATION OF FIVE DEBIT CARD AND/OR BILL PAYMENTS WITHIN 60 DAYS AFTER ACCOUNT OPENING TO GET {$300.00}. DIRECT DEPOSIT TRANSACTIONS ARE LIMITED TO : PAYROLL, SOCIAL SECURITY, PENSION AND GOVERNMENT BENEFITS. Full offer text is attached. I have made 4 direct deposits of {$250.00} to my account and 5 debit transactions in the period from XX/XX/XXXX until XX/XX/XXXX, so I had to be eligible for the bonus. After getting a bonus I was going to keep my Key checking account to use debit card in XXXX XXXX, where credit card payment is not available. On XX/XX/XXXX XXXX I had made a call to Key Bank service center ( XXXX ) to check if everything fine with sign-up bonus. I was told that I am qualified, both my direct deposits and bank transactions are fine, and I just need to wait 90 days from the date of account opening. To double check and have a record in person, as I always do with banks, I later went to the local branch and asked again to verify my eligibility, and this time I was told that I am not eligible, as direct deposit was made in installments less than {$500.00}. Local branch clerks made appeal to marketing group, but marketing group of Key Bank refused the request to give me the bonus. I made several efforts to convince Key Bank support clerks and managers that it is illegal to give a vague description of the offer, and then interpret it in a free manner to deprive clients of deserved bonus. During account opening, I also did not receive a proper verbal disclosure about the account coupon terms. I made a search across Consumer Financial Protection Bureau data base and easily found a case similar to mine, also with Key bank and the same offer type : XXXX XXXX XXXX ( case # XXXX ). So, bank is obviously playing an unlawful bait and switch game of semantics with it's customers to avoid paying the bonus money. From account agreement they provided ( both written and verbally ), it does not follow that customers should make transfer of {$500.00} in one single deposit. I keep all records for the case to start a legal action in case the bonus will not be funded to my account.
My personal information including SN, DOB, full address, and DL number may have been stolen due to a cyber security breach.
In XXXX 2017, I applied for a XXXX XXXX XXXX card under a special rewards offer. The offer at the time was XXXX points after spending {$5000.00} in the first 3 months. I opened this card in my local Chase branch through a special business relationship manager. Shortly after applying, Chase came out with a new rewards offer for the same card of XXXX points after spending {$5000.00} in the first 3 months. I called Chase to request a match and I received a letter in the mail from a Chase representative that the offer would be matched after completing the {$5000.00} spend. I reached out to Chase earlier this week but the representative saw nothing on my account and did n't know how to fix it.
PURCHASED A MONEYGRAM MONEY ORDER AT XXXX # XXXX IT WAS DAMAGED. I REQUESTED A REPLACEMENT. MONEYGRAM CHARGED ME XXXX DOLLARS TO REPLACE THE MONEY ORDER. I PROVIDED DRIVER LICENSE AND TYPED MY NAME CORRECTLY. I RECEIVED THE REPLACEMENT MONEY ORDER WITH ERRORS ON THE NAME. I WENT TO XXXX AND TO THE BANK TO CASH IT. XXXX  REFUSED AND THE BANK REFUSED TO CASH STATING THE NAME DOES NOT MATCH WITH THE DRIVER LICENSE. POLICE WERE SEEING ME AS A SUSPECT OF WANTING TO CASH A STOLEN CHECK. I AM THE PURCHASER OF THE MONEY ORDER AND THE ONLY PERSON THAT CAN CASH IT. SEEMS ANY TIME I TRY TO CONTACT THERE IS NO ONE TO SPEAK WITH. I HAVE USED THE ONLINE COMPLAIN GOT SUPPORT TRACKING # XXXX AND WITHIN MONEYGRAM THEY HAVE A FRAUD REPORT CENTER WITH A CASE # XXXX I NEED TO HAVE THE MONEY AS SOON AS POSSIBLE I HAVE REQUESTED TO HAVE IT AVAILABLE AT ANY BANK AND TO RELEASE THE FUNDS AS THE ERRORS ARE NOT MY FAULT. I SHOULD NOT BE CHARGED AGAIN XXXX TO GET MY MONEY BACK.
In XXXX I lost my home to foreclosure. There was a 1st and 2nd mortgage, both held by XXXX ( aka XXXX ). Both mortgages were recorded. 6 months after the foreclosure, I was contacted by XXXX as to how I was going to payoff the 2nd mortgage, which they called a line of credit. I told them it was discharged in the foreclosure as under my state 's laws a MORTGAGE lender has 3 months after the foreclosure to file a deficiency suit, which they did not do. So, I received XXXX for both the 1st and 2nd and filed them with my XXXX tax returns. The following year I received a letter from a collection agency on the XXXX. I disputed it and it went away. The next year a different collection agency contacted me again on the same already discharged debt. Again I disputed and it went away. Then in XXXX Green Tree contacted me demanding payment on the same discharged debt. I provided all the docs disputing it and heard nothing more. Then I discovered they had put it on my credit report, which I disputed it with the credit bureau and got it removed. 30 days later they put it back on now as Ditech Financial, LLC reporting. I disputed it with the credit bureaus again and again got it removed. Today XXXX/XXXX/XXXX I received from Ditech a XXXX Mortgage Discharge for this 2nd mortgage that was discharged in XXXX. I 've heard and read multiple places of this criminal activities by Green Tree which has been closed down by the Feds, and now is Ditech Financial doing exactly the same criminal things.
I am a signer on my Mothers bank account. My Mother passed away on XX/XX/XXXX. The bank refused to close the account stating they have to return funds to Social Security Administration. My Mother has a direct deposit with the Social Security Administration, and the Administration automately deducted the payment that was made to my Mothers account after her passing. The bank continues to leave the account open after almost a year, charging monthly fees, and refusing to remove my name from the account. I have communicated with the bank over the past several months. In detail during the month of XX/XX/XXXX, after going to the social security office, and being advised the bank was inform on XX/XX/XXXX, that Social Security Administration was not seeking any additional repayment outside of the auto pay that was reversed in XX/XX/XXXX 
After my communication with the bank on Thursday, XX/XX/XXXX, the back added addition charges, which were previously removed months ago, back to the account.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX  XXXX , XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX   XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
I have never had a company so intent on making things difficult for me like SunTrust. I lost my job almost two months ago so I went online looking for employment I found what I thought was a great work-from-home opportunity on Thumbtack doing the same thing that I 've been doing went through an interview process received an offer letter just like any other job I 've applied for after a couple of weeks I receive my first paycheck after a month of no income I was extremely happy so I went to deposit check inside the SunTrust XXXX. 30 seconds after depositing the check inside the branch I get a call from the branch manager letting you know that she thinks the check is fake and she would recommend that I not deposited this is my first time ever hearing about it so I asked her why she thought it was fake she explained to me some of the inconsistencies in the check so I agreed not to deposit the check and she would return it to me so I can get in contact with the company. The following day I want to deposit {$100.00} in cash and found out that my account was being frozen again because of the check that THEY DID NOT deposit. It is now going on the second week with no resolution. I am the victim I am the person and being defrauded by this company yet SunTrust is making me feel like the villain with all of the issues I 'm having with SunTrust it 's hard for me to believe that the bank can act like such I 've attached a copy of the check and the offer letter that I received from the company and can provide any other documents that XXXX sent me
I have received regular calls every few weeks on my XXXX XXXX XXXX number from agents of ARA Services who say threaten to sue ( if I do n't immediately make payment arrangements ) to collect a debt allegedly owed to XXXX. I was told that I 'd receive a summons in the mail. I owe nothing to that company although I believe that if I did that it would be a zombie debt from an account that I may have had over 25 years ago ( which was closed with a XXXX balance I believe in the XXXX. I have demand that ARA stop calling me ) but the calls keep coming regularly every XXXX weeks, the latest being this morning from phone # XXXX XXXX XXXX in XXXX, IL. -- - I verified their number via a call back to the number and also was told that their address is XXXX XXXX, XXXX XXXX, IL XXXX.
Three years ago we refinanced our home with XXXX XXXX to get a lower interest rate. During the first year of this refinance we received a notice stating that we needed to start sending our payments to LoanCare, XXXX. We did this for nearly two years, during the last 6 months or so we got behind on our payments and was offered a Loss Mitigation by LoanCare. This Loss Mitigation was approved for a four month trial period. We made our reduced payments every month during this trial. In XXXX Loan Care sent us a notice that we no longer qualified for the loss mitigation and that we owed the full amount in mortgage payments. They did not give us credit for the payments that we made during this four month trial period. We have been unable to get anyone from LoanCare to give us a reason why this money has not been applied to our account. We feel that an investigation should be filed in order to find out if this is a common practice for this company and put a stop to this.