WillisBack/dataset-financial-user-claim huggingface dataset:
I went from NO CREDIT SCORE to XXXX one year and a half by paying my obligations ahead of time, higher then required payments. I have NEVER MISSED a PAYMENT, ALWAYS PAID MORE than PAYMENT DUE! 

THIS CAN NOT BE VALIDATED BY SOME COMPUTER FORMULA! 
ALL AMERICANS ARE DIFFERENT, UNIQUE AND DESERVE TO BE TREATED AS SUCH! THERE IS NO COMPUTER FORMULA THAT CAN VALIDATE THESE CREDIT AGENCIES REACHING THEIR SO-CALLED DATA MAKING DECISIONS and only " FOOLS '' who believe they CAN! Credit Agencies have shown to be lax in acquiring current accurate data on EACH AMERICAN CITIZEN! Make it next to impossible to correct that data! EVEN POORER SECURITY for this DATA! These Credit Agencies ARE NOT BETTER THA XXXX WHEN IT COMES TO HANDLING-SECURING OUR DATA! AT LEAST XXXX ACKNOWLEGED IT! 

How Disparaging-WHY SHOULD ANYONE TRY TO MAINTAIN THEIR CREDIT SCORES WHEN HAVING YOUR CREDIT SCORE CHANGE with a SEGREGATIONIST ATTITUDE, which decribes CREDIT AGENCIES. 

IT SEEMS THAT AMERICAN CITIZENS, WHO HAVE INCOMES LESS THAN A MILLION PER YEAR! THESE Agencies are Biggoted! THEY WILL RUIN A PERSONS CREDIT BY USING FORMULAS THAT DO NOT APPLY TO EACH AMERICAN CITIZEN AS AN INDIVIDUAL-SEGREGATIONIST! 
These credit agencies believe the general public ( American Citizens ),  DESERVE HAVING A BAD CREDIT SCORE-EVEN THOUGH YOUR CREDIT SHOWS NO MISSED OR LATE PAYMENTS! THEIR HYPOCRISY ONLY PADS THEIR POCKETS AND RUINS AMERICAN LIVES ; CAUSING STRIFE TO AMERICAN CITIZENS WHO DESERVE MORE, CAUSING POOR ECONOMICS FOR AMERICAN CITIZENS! 

I Charged instead of paying CASH from SAVINGS. MY CREDIT CARDS are INTEREST FREE still for almost a year. I am saving money collecting interest on my savings account! 
DOES THIS SOUND LIKE A XXXX CREDIT SCORE PERSON? 

I SURMISE THESE CREDIT AGENCIES DROP A PERSONS SCORE TO BENEFIT From Companies Who Charge More FOR LOW CREDIT SCORES! 
I was talking to XXXX XXXX on XX/XX/18 and my credit score dropped to XXXX. I WORKED EXTREMELY HARD FOR THAT CREDIT SCORE OF XXXX! 

I was advised by Credit Agency to get a couple of credit cards to help build my credit score faster! I did and got SHAFTED for doing so!
XXXX was deleted from my credit report on XX/XX/2016 and has been reinserted without any notification. Additionally, Equifax claims this account is still under investigation as of XX/XX/2016. I 've called Equifax to remove the item & they 're claiming they ca n't because it 's still under investigation. I 'm including the results from my original investigation which shows the account was deleted. I need this removed from my records IMMEDIATELY!!! This is a gross violation of the FCRA & I 'm entitled to {$1000.00} for this violation. Please see this matter is resolved NOW!!!
debt oriiginated in XXXX with bank of America {$250.00} payment was falsly reported in XXXX still receiving collection notices from XXXX XXXX XXXX in XXXX
I have some credit checks on my report which will expire in the coming weeks. Transunion lowered my score by 31 points to sabotage the benefits I will receive from these credit checks being removed. They lowered my score for no apparent reason when virtually nothing negative occurred on my credit report. It was intentional and abusive.
I was approved for a loan modification ( HAMP ) by OCwen loan servicing. I paid the 3 month trial payments on time and was told I would get a permanent modification. I signed and returned the paperwork on time. I was told they needed the paperwork again. The first time I questioned this, they said I had not dated the paperwork. I told them my copy was dated, so their copy had to be dated. then they said the dates did n't match the notary date. I sent the paperwork again. They are not making the modification permanent and in the meantime they are still reporting me to my credit report as delinquent. I am still getting collection calls and paperwork in the mail. I was making my mortgage payment through their online payment option. They have now disabled that option for me. The last payment I made over the phone for a fee. I ca n't refinance with another company because I am still delinquent, even though I am not. I do n't know how to get them to make the modification permanent.
Barclay Bank gave me a credit card if I bought a new XXXX XXXX phone which I did not want. Now they are dunning me for payment. I put the purchase in dispute and answered their questions but XXXX refused to take back the phone claiming it was too late to be returned but it was not suitable for me to have it. Now, I reported this to XXXX  and they never put it on my report that this charge is in dispute and are dunning me for payments for Barclay Bank. So the two of them are doing this telling me how my score is lowered but if you return a thing to XXXX, I should not be charged for the purchase. I returned my Barclay card to you to return to them. 
I did not want the phone but Barclay insisted I buy it to please XXXX. 
It did not work right in the beginning and overheated. i just wanted XXXX to take it back. XXXX refused to take it back but i did not have it that long. The XXXX still refuses to put this on my report that this charge is in dispute and keeps asking me to pay Barclay when it is in dispute. 
The XXXX is supposed to put that on my credit card that this charge is in dispute but refuses to do so.
My name is XXXX XXXX and I am extremely frustrated that I was not able to process a dispute with Transunion, which was received by them on XX/XX/2015 via certified mail return receipt requested. I simply received a heavily worded letter from them denying me an investigation, claiming that my verification provided was not sufficient. I am afraid that they are stalling me and deliberately ignoring my request for an investigation into an expunged civil claim. 
I had provived vey sufficient and actually excessive amount of verification and they claim that I am not who I am and therefore they will not process anything from until i forfeit more proof or documentation. 
First I would like to clarify that I have ALEADY provided them with1. Drivers License and State Identification2. My Social Security number and a copy of my SSCard3. A certified Letter costing me over {$7.00}! 
4. A signed letter from My address and residence. 

They are violating me and pushing me around by requested personal information and documentation that is overly suspspcious and not safe to send via mail. I have had cases of IDENTIFTY Theft and ban fraud committed against me and I am very weary of sending anything above and beyond expected. 
I think that my documentation was extremely sufficient and in actuality this company is avoiding me, hurting me, and accusing me of not being me. They are using such tactics a lot against consumers an that is not fair. Who else would I be? How dare they deny me after EVERYTHING I supplied on my behalf. They are being very sneaky and un productive and clearly they are choosing to ignore my issue. 

I sent this letter via certified mail and they received it on XX/XX/2015- Transunion has until XX/XX/2015 to delete this invalid Public Record Item from my credit Report or I will Purseu Litigation against them in the small claims court. I ahv XXXX consulted with an attorney at their mishandling of my dispute an their refusal to acknowledge perfectly sufficient and perfectly legible verification documents. 

I wonder what you have done with my information. Have you shredded it or kept it in archive? Because if you claim that i have not provided enough proof then I am certain you have mishandled my letter and my documents. If you can not produce these items in a court of law It will be very obvious to me who is lying here.
I recently reviewed my credit report and noticed some unauthorized accounts on there. The XXXX unauthorized accounts were XXXX XXXX XXXX and XXXX XXXX. After contacting both creditors and equifax with no help form neither, I then immediately contacted my local law enforcement to file an identify theft report against the XXXX unauthorized accounts. I then mailed it to XXXX to have it removed and they said that they wo n't.
I XXXX XXXX HAD {$1500.00} DOLLARS TAKEN FROM MY SON ACCOUNT BY CAPITAL ONE BANK LOCATED AT XXXX XXXX XXXX, VA XXXX THE BANK CHARGED MY ACCOUNT MONEY THAT SHOULD HAVE NOT BEEN TAKEN OUT DEBTING MY SONS ACCOUNT, I WOULD LIKE MY SON MONEY PUT BACK INTO HIS ACCOUNT PLEASE THIS BANK IS A RIPP OFF CHARGING UNREASONABL FEES,XXXX THE MONEY WAS TAKEN FROM ACCOUNT # XXXX MY SONS ACCOUNT FOR SUPPOSELY ACCOUNT XXXX THE AMOUNT TAKEN WAS {$1500.00} PLEASE HAVE PUT MY SONS MONEY BACK PLEASE.
Greetings I am disputing with EQUIFAX the following Unauthorized / Unknown accounts that showed up on my credit report on XX/XX/XXXX. I have filed two complaints with the FTC in regards to this matter. FTC Complaint Reference number is # XXXX and XXXX. I am a previous victim of identity theft back in XXXX and already have an extended fraud alert placed on my EQUIFAX Credit report so there should be no excuse as to why these Unauthorized accounts unknowingly hit my report without my consent of proving the accounts belong to me. These accounts reporting to my credit report go violated the Fair Credit Reporting Act and Equifax is not following FCRA reporting practices. This issue has been affecting my ability to hold a job and get approved for a home mortgage. I have also reached out to both the creditors and have attached a filed Identify Theft Police Report, My Two Filed FTC complaints and a copy of my XXXX  and XXXX XXXX credit report reflecting that the following two accounts do not belong in any of my personal reports. I would really appreciate getting this resolved in a timely fashion or I will be forced to escalate this issue even further to the state attorney generals office and Senate level. Below are the reporting Unauthorized Fraudulent accounts that should be Removed / Deleted from my EQUIFAX credit report. Should you need any additional information please let me know. 

1 ) Reporting Unauthorized Account : XXXX Unknown Account # : XXXX Unknown Date Opened : XX/XX/XXXX Unknown Terms : XXXX XXXX Unknown Account Status : Open Unknown Payment Status : Late Unknown Balance : {$2800.00} 2 ) Reporting Unauthorized Account : XXXX Unknown Account # : XXXX Unknown Date Opened : XX/XX/XXXX Unknown Terms : XXXX   XXXX Unknown Account Status : Open Unknown Payment Status : Paid Unknown Balance : {$6300.00} EQUIFAX Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX, XXXX GA XXXX
prior to XX/XX/2018 i had recieved several robo calls from XXXX XXXX then from maury cobb law office. finally after 5/6 times of telling maury cobb not to call me the calls stopped. i did not give them permission to call my cell phone. i did not give permission for XXXX XXXX nor XXXX XXXX to give my personal information to personnel i do not know. 

XXXX did not tell me they were putting the alleged debt on my credit report. i disputed the debt and it was not removed. 

Prior to XX/XX/2018, representatives from maury cobb law office has threathen to sue, garnish wages and bank account. 

prior to XX/XX/2018 i tried to make payment to maury cobb but they wanted to charge me a XXXX fee for using my credit card. i called yesterday and made a payment under the condition the collection will be removed from my credit report. the maury cobb representative stated the collection will be removed.. he said i had to call XXXX XXXX XXXX XXXX said they will report to the credit bureas but collection will remain. maury cobb said collection will be taken off. i told XXXX i only made payment as a condition of removal.
I have asked Unifund to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Received letter from XXXX XXXX on XXXX/XXXX/17 for debt of $ XXXXI've disputed this debt several years ago.Did n't receive any response until the above referenced date.Never heard of XXXX XXXX or Navient.
XXXX   XXXX ,    2017  To whom it may concern, I have been trying to properly cancel my account with  XXXX  under buyers remorse since  XXXX . They sent me  XXXX  new phones for which I promptly mailed back to them using the  XXXX  return shipping label Tmoblie provided. The phones were lost by  XXXX  in their shipping and  XXXX  has assumed responsibility for that claim since  XXXX . Since  XXXX ,  XXXX  says they have reached out to  XXXX  in writing requesting several times that TMOBLIE respond to their questions before they can issue  XXXX  payment.  XXXX  says  XXXX  has neglected to respond to any of their requests. From my perspective, I know that both these companies have wronged me since they have not resolved this silly paperwork issue between the  XXXX  parties and my credit is being destroyed. Meanwhile,  XXXX  has placed my account in bad standing by making it appear as though I have failed to pay my debt ( that I owe them for the phones {$3600.00}  ) and  sent my account to  XXXX  different collection agencies who are currently capable of destroying my credit. I have waisted 6 months of my life reaching out to  XXXX  as well as the collection agencies and  XXXX  to no avail thus far with no resolution in site, I am viewing this inaction to respond to  XXXX  to resolve this issue as an action to unjustly destroy my credit. I am asking that your agency step in to try to get them (  XXXX ,  XXXX , a nd ERC ) to notice me so that this case can get out of the bureaucratic level and be escalated to a level   where this matter will finally be resolved. You would think this should be simple to solve since  XXXX  fully accepts blame and is willing to pay  XXXX .  XXXX  wont speak to me because they say the matter is between  XXXX  and  XXXX .  XXXX  wont speak to me because they closed my account and sold the supposed debt to  XXXX  debt collection agencies. The collection agencies are very abrupt with me and only want to know if I wish to pay the debt or if not they are reporting to credit bureaus. I am an honest person, and always pay all my bills and on time. Please help me.  Im really stuck and I dont know what else I can do or who I can turn to.
i already file a complaint about this trough you couples months ago and you send me positive response from the company saying they will delete the inacurate late payment on my account ( see attach ), i call them before to let them know that it still on my account and they said it will take time to disappear ( that was 4 months ago ), i call today and ask to talk to a supervisor which was XXXX after explaining everything he transfered me to a special department supervisor and her name was XXXX and she said she can not go by cfbp either i have to send a proof or me or she will call the company then i need to call wenesday for follow up??
please assist why do i have to go all trough this, i will appreciated if the company can do a play back about our conversation.
Resolve case id # XXXX
On XX/XX/XXXX Bank of America was negligent in sending a {$78000.00} wire transfer to an account with a different name on it than the one specified in the wire transfer by the sender. 

On XX/XX/XXXX the sender alerted law enforcement and Bank of America, instructing Bank of America to send a service request immediately to the receiving bank ( XXXX XXXX ). Freeze the account and get the {$78000.00} back as there was evidence of criminal activity. 

The XXXX XXXX account was immediately frozen and on XX/XX/XXXX, 5 days later according to XXXX XXXX   's own bank statement, there was {$48000.00} in the frozen account - see attached bank statement from the receiving XXXX XXXX which was provided to the investigating detective. 

On XX/XX/XXXX Bank of America deposited only {$23000.00} back into the account of the victim. 

Where is the remaining {$24000.00} that was left in the receiving account at the time it was frozen? That is MY MONEY.
Experian continues to report inaccurate information even after I submitted proof that it is erroneous! This information reporting is INACCURATE, INCOMPLETE, and it has been changed several times stating that my monthly payment was {$530.00}, {$510.00}, {$67.00}, and now {$92.00} dollars. Also, all the previous good payment history was all deleted. The amount stated past due over {$10000.00} owed last month, now its stating {$9300.00}. This new wrong amount is stating that I am 180 days behind as of XXXX 2017 and this is going to negatively impact my Credit Score very badly and may cause my Credit Score to drop over XXXX points!!! I ca n't afford to take another hit on my Score because of them refusing to obey FCRA Rules & Laws and to report correct and accurate information!! What they are doing is illegal!!! They have clearly broken several Federal & State Laws! When you review the documents attached, you will clearly see that they are not in compliance and need to be reported and perhaps sued! 

One of the biggest discrepancies are that on two ( 2 ) different Direct Experian Credit Reporting Systems and Reports they have different information, open dates, and amounts being listed! This is clearly grounds for this inaccurate account to be DELETED IMMEDIATELY! This account & it 's errors are stopping me from getting the necessary emergency funding for me & my family! Please see the copies of proof I have of my Credit Reports showing a very serious issue with their reporting and also please see proof of XX/XX/XXXX from both Reports for Experian.com & XXXX.
a dept. was put on my credit report by XXXX XXXX apartments in XXXX TX and then given to a collection company for collection and they put it on my credit report, I paid it so it did n't hurt my credit have written them to ask for proof it was mine they said then did n't have to give it to me it would just stay on my credit I also wrote all collection companies they said I needed to contact collection company no one wants to prove what THE SAY AND XXXX XXXX APARTMENT SOLD SO A DEAD END THERE I am XXXX years my home is paid for I have never lived in XXXX tx or signed for anyone there. can you help me
First they said I did n't make enough, that was a mistake, they told me to reapply, I reapplied, now there 's supposedly something on my credit report. The requirement is based on a credit score of XXXX and above based on experian credit reporting agency. My credit score as of XX/XX/2016 according to experian is XXXX with no negative accounts, I repeat, NO NEGATIVE ACCOUNTS. So at this point I am receiving rubber stamp denials by a company I do n't think really gives out loans.
LexisNexis is reporting fraudulently reported information. They refuse to take down information regardless if it's fraudulent, and older than 8 years old and in violation of reporting negative information beyond 7 years One of mant reference # 's XXXX Case # XXXX Case # 2 -- XXXX Consumer # XXXX
BSI financial is failing to complete review for loss mitigation within 30days after receiving a complete package and acknowledging it is complete on XXXX/XXXX/2015. See attached letter. They also were slow to acknowledge receipt of package. Request for mortgage assitance was fax to BSI on XXXX/XXXX/2015 and recieved a confirmation of receipt letter dated XXXX/XXXX/2015 same day as a request for additional documents were made. Submitted all additional documents on XXXX/XXXX/2015 and they have not requested anything further. Point of contact does not return calls and other representatives can not give status update. Left message for XXXX XXXX on XXXX/XXXX/2015 and again on XXXX/XXXX/2015 and again on XXXX/XXXX/2015 for a status update and have not gotten a return call did talk to XXXX XXXX on XXXX/XXXX/2015 and he advised something was approved and in route but have yet to receive anything. Escalated case today with XXXX XXXX.
I leased a home located at XXXX XXXX XXXX, XXXX, NC XXXX. My lease terms were XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. I vacated the unit and returned possession XXXX/XXXX/XXXX. I relocated to XXXX, MO and entered into another lease agreement on XXXX/XXXX/XXXX. I never communicated or received any correspondence from the property owner or property management company until XXXX. I learned that on XXXX/XXXX/XXXX, the property management company, XXXX XXXX and XXXX requested possession of the unit through the XXXX County Courts. XXXX XXXX was award possession on XXXX/XXXX/XXXX. I did n't learn of the request for possession, any debt owed nor was it reported to any of the credit reporting agencies until XXXX XXXX, XXXX. More than 5 years later I received a notification from my credit monitoring service that an entry was added to my credit report stating I owed {$7100.00}. I knew immediately this amount was bogus. On XXXX XXXX, XXXX, I contacted XXXX County Courts for a record of what XXXX submitted as damages ( attached ). XXXX submitted to the courts a balance of {$1400.00} for past due rents and late charges ( which I disagree with ). However, they sold my account to Resolve Partners , Inc. and stated to this company I owed {$7100.00} in rents. They provided Resolve XXXX , Inc. an itemized statement ( attached ) stating I resided in the unit for 5 additional months after they had obtained possession from the courts. This is untrue. As I previously stated, I fulfilled my lease which expired XXXX/XXXX/XXXX and moved out of the unit on XXXX/XXXX/XXXX ( lease attached ). Furthermore, why would a property management company allow a tenant to remain in a unit without paying rent for 5 additional months after they obtained legal possession of the unit from the courts? XXXX fabricated the amount of the debt I owed them to be able to sell it at a higher price to Resolve Partners , Inc. Even if I am liable for the {$1400.00} that XXXX submitted to the courts, I was not credited for the {$950.00} security deposit I paid upon taking possession on XXXX/XXXX/XXXX. This would make my balance {$470.00}, not {$7100.00}. I have requested that Resolve Partners remove this inaccurate information numerous times and yet it still remains on my credit report.
Discover is mistating my current balance. Please see attachment. The math does not add up. Also, please not that the attachment shows the pending activity so it can not be due to the pending activity not showing in the current balance.
I have a credit card with XXXX XXXX XXXX XXXX. I have always made my payments on time. I recently decided to look at my credit report to see my fico scores, and then I realized that there was a late payment showing on my credit report. As you can see, I have always had a stellar payment record with XXXX. I tried contacting both Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX are reporting me 30 days late. This is definitely an error on their part. I was never 30 days late.
Back ib XX/XX/XXXX i was running out of money in my account and my only income was Social Security which at that time was {$1400.00}? a month do not remember the exact and my mortgage payment was {$1200.00}. 
They offered me to pay {$1000.00} which is only {$51.00} dollars different which will not work. There were several conversations and nothing was being done to assist me. 

I went to XXXX XXXX thinking maybe they could help as web site says they work with mortgage companies to reduce payments. 
33 pages and bank statements, tax returns, my bills i pay every month was not working. 

Over and over things was sent from to lawyer should have arrived at Wells Fargo? 

I uploaded all of those things in my email for proof. No one wanted to talk to me at Wells Fargo as they refused to deal with me a i had a lawyer. 
Now i am probably going to be set out on the street XXXX  and no place to go. 
This is supposed to be done by XXXX  on XX/XX/XXXX or XX/XX/XXXX.