WillisBack/dataset-financial-user-claim huggingface dataset:
Hello .My credit score went from XXXX to XXXX a XXXX point in one day with no apparent reason no late or missed payments the only different thing that happened within the last month is that i disputed XXXX charges from comcast of which i won both .i 've contacted Transunion and no one can answer me as to the reason behind this Im working towards owning my first home and this is a real issue for me. 

Please help me.
After pulling my Transunion credit report several months ago i noticed XXXX XXXX XXXX has listed a collection/charge-off account on my Transunion report. I have tried to resolve this issue several times. 

XXXX XXXX account does not belong to me. I have contacted XXXX XXXX XXXX  and Transunion several times about this account not belonging to me and Transunion response that the account has been verified as accurate and today when I check my report the status has updated as Paid after Charge-off. 

I never paid XXXX XXXX XXXX  this is false inaccurate reporting, this account does not belong to me and it is a clear violation of Federal Reporting laws. 

Under the FCRA Creditor must provide complete and accurate information to the credit bureaus. Creditor must correct inaccurate or incomplete information in your report. 

An information furnisher must provide complete and accurate information to the credit bureaus. 

furnisher must correct any error, or explain why the credit report is correct within 30 days of receipt of notice of a dispute, which time has passed. 

The information furnisher must correct inaccurate or incomplete information in your report. 

The information furnisher must notify all credit bureaus where they sent incorrect information of any error XXXX XXXX continues to violate protected rights.
My Bank of America credit card statement period closing date was XX/XX/XXXX, I completely paid off the balance on XX/XX/XXXX ( 2 weeks prior to the closing date ), but they still charged me interest for the period, even though the credit card agreement says if the balance is paid off before the statement closing date there will be no interest charged. I called customer service and they are saying that that only happens if the balance was paid off for the last 3 statement cycles, witch doesn't make sense.
I have a XX/XX/2013 30 days late payment XXXX XXXX XXXX Account # XXXX.The information is incorrect.I was never late.
My identity has been compromised and I'm trying to get it back. I have discovered and disputed accounts inwhich I have absolutely any knowledge of whatsoever. I'm requesting that the following accounts be removed/ blocked from my credit report. The accounts are XXXX XXXX XXXX XXXX, and XXXX  XXXX XXXX. Two of the three credit reporting agencies has honored my request. And hopefully the 3rd one do as well.
On my XXXX  report a credit inquiry XX/XX/2019 from the following. 
Check into Cash XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX I didnt apply for anything credit or cash Called phone number got automated service left message received no call back
Telling me I have a returned item from my bank which I do n't have anything ... I have verified with my bank I have had NO returned items ... And it 's in my best interest to call them back ...
COLLECTOR IGNORED CEASE AND DESIST AND KEPT CALLING AND COLLECTING ON A DEBT UNDER GLOBAL REC. SOLUTIONS AND WENT ON MY CREDIT REPORT TWICE W/O VALIDATION.
AMCOL SYSTEMS INC- REPORTED A COLLECTION ON MY CREDIT FROM XXXX XXXX HOSPITAL TO WHOM I GAVE MY CARD NUMBER AND HAD THIS ACCOUNT PAID IN FULL BEFORE MOVING OUT OF STATE. YEAR LATER I COME TO FIND OUT THAT XXXX HOSPITAL NEVER PROCESSED THE PAYMENT I AUTHORISE THEM, NEVER CONTACTED ME PHONE OR MAILING ADDRESS AND NOW THEY SENT ME TO THIS VERY AGRESSIVE COLLECTION COMPANY THAT IS THREATENING TO ARREST ME IF I DIDN'T PAY THIS BILL ... .I WAS NOT AWARE OF THE PAST DUE BALANCE WITH THE XXXX WHO NEVER MAILED ME A BILL TO THE NEW ADDRESS I PROVIDED THEM ... PLEASE STOP THEM FROM HARASSING ME AT HOME, WORK AND NOW AT MY PARENTS HOUSE
I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX/XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX-ny Inquiry from XX/XX/XXXX + Telephone Companies XXXX/XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX + Complete Dept. Stores XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + Credit Unions XXXX/XXXX Inquiry from XX/XX/XXXX - Specialty - Shoe, Hat, Etc. 
XXXX Inquiry from XX/XX/XXXX + Home Furnishings XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Misc.
This account first showed as a collections account on my credit report.I never had any relationship and/or correspondence with this company prior to it showing up on my credit report and I have yet to receive anything from them. I disputed the account and now it is showing as " closed '' on my credit report. I have no contract with this company and I am requesting that it be removed from my credit report.
Illegal collection and repossession practices. Threatening to have me jailed, calling friends and family letting them know loan information, and defamation of character to my friends and family trying to get them to tell the lender where i am after i already told them to have the repo company call me for the location of thr vehicle
After my divorce was finalized on XX/XX/XXXX and my ex-husband took full financial responsibility for the mortgage, but before he completed the sale of the condo on XX/XX/XXXX, he stopped paying the mortgage payments resulting in two months of nonpayment on a {$140000.00} mortgage. 

It is now reflected on my credit score and XXXX XXXX has declined to make any effort to rectify my credit score even though I was not legally liable for the mortgage payment per my divorce settlement. 

I have filed disputes with the three credit reporting agencies and provided my court-stamped marital settlement document : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and Equifax ( XX/XX/XXXX ). During their investigation, XXXXXXXX XXXX   confirmed that the mortgage was in my name and the credit reporting agencies closed the dispute. 

Per the marital settlement, I did not have legal authority to conduct or otherwise speed up the sale of the property while my ex-husband was failing to pay the mortgage.
I live in a house in XXXX XXXX XXXX, Florida, and have been here since XX/XX/XXXX. I always pay mortgage on time, even during XX/XX/XXXX-XX/XX/XXXX period when over half the houses on my block were empty due to the financial crisis. In XX/XX/XXXX after Hurricane Irma my small business and house took on financial as well as property damage and I learned about contacting my mortgage company for a 90 day forbearance to get myself caught up. I called Mr. Cooper, who is my mortgage company, and had several conversations with their representative, who explained there would be no late fees and penalties for 90 days at which time I would be responsible for the amounts due, they even told me to try to pay what I could every month so that there would not be large number due, which I did. I am completely even at this time but they have put a mark on my credit score saying I've been late. when I contacted them they said they have no record of my request but that it does show I called in XX/XX/XXXX ... they have no reason listed for my calls ... .maybe it was about the XXXX XXXX! I have since talked to other people who have the same experience with Mr. Cooper..AKA Nationstar ... AKA XXXX XXXX XXXX , one of the largest bailout recipients. They're doing the name change shuffle. This forbearance is a federally funded program and I have a FHA loan. It's bad enough to go thru Hurricanes and loss of business, they should have told me they wouldn't honor this program and I would have borrowed funds from a friend or something else. Can you help or is this the way corporations are allowed to operate? Thank you for listening.
I have unauthorized transactions that was continously made on my account that I was not aware of. XXXX XXXX XXXX said I need to contact the merchant but I don't no the first thing to do to reach out to the merchant. you have to have the person that committed the fraud on my account information. to get any kind of info from the merchant. all i have is my card number and that isn't enough.
I have called and written numerous time to Equifax about hard inquires on my credit report. I do not have an knowledge or remember having these companies pull my credit or applying with companies. Equifax has stayed these inquires are factual and to contact the creditor. This inquires are not factual.
I had been struggling to pay my loan anyway, but on XXXX XXXX, I was rushed to the hospital for having XXXX. XXXX was ruled out, and the XXXX are stemming from my XXXX from XXXX. I wasnt released until XXXX XXXX. On release, I am restricted from working, driving, and any military duty until released by a XXXX. I was put on FMLA at work with no access to an income. I then had XXXX XXXX on XXXX XXXX, which has me limited also. I ran out of FMLA time at work, so I had to resign. I can not get unemployment, because I can not accept a job when called. I have no income still. Family and friends were helping as much as they could, but even they are limited on income. I have no home, so I live with my dad now. I was living with my girlfriend, but was thrown out over personal issues. The merchandise is still at her house. I told Conns all this, multiple times. Ive told them to come pick up the merchandise, but they had opted to push calls back instead or offer me a reasonable payment to catch up. My bank account is negative, I can not pay my health insurance, and my ex is paying my cell phone to keep it on. So the last thing Im concerned about is a loan I can not pay either. I told them to pick the merchandise up again, and they want me to be there. Im not there right now. They turn everything I say around on me instead of listening and helping me. Im trying to file bankruptcy, that Ive also told Conns, but I dont have money for that either. They are calling me everyday now since Friday at least. It seems to me that they are harassing me and/or trying to annoy me to get a payment. Ive even told them to stop calling and take me to court. I dont know what else to do!
Bank of America recently started charging me a $ XXXX monthly maintenance fee. Ive been a customer for over ten years and maintain a direct deposit and credit card with the bank that waves all fees or minimum balance requirements. This monthly charge started hitting my savings account without notice and is incorrectly applied.
Equifax did not provide secure access to my credit and personal data thru latest reported breach, as well as fraudulently kept info from me as I have not been officially notified
Wells Fargo has tried to swindle me! I put in an order to change my monthly loan payments from my Wells Fargo checking account to my XXXX checking account. They charged both accounts for the same payment on the same day! Fortunately, the old account was empty, because I am in the process of closing it. So, they withdrew the payment from XXXX account and charged me an NSF fee for the other. They admittedly had every intention of keeping the money from both accounts! In addition, they told me that in case the first order did not go through, I should order another payment, which I foolishly did, but on the federal credit union account, not the old WF checking account. I am waiting to see if they attempt yet a third payment. This is clearly a scheme to steal money from their customers by way of fees and duplicate payments.
A company called Transworld Systems Inc is attempting to collect a debt on behalf of the XXXX, but the debt is not mine. I do not use the XXXX and the address for the person they are seeking ( with my same name ) is an address I am not familiar with. I 've let them know this verbally and in writing but it seems they are continuing to request payment.
I went to get a used van and was sold a bad vehicle to begin. The car has been in and out of the shop causing me ridiculous fees since the first month of obtaining it from the shady dealer. The interest rate of almost 10 % was way to high for my credit class and the dealer took advantage of me and committed deception and fraud while selling me the vehicle. In 3 years I've paid enough payments to cover the car but it has all went to interest and not the princial. Then as I spend money fixing it they repoed the bad car I was sold. I redeem it but as a single mother of XXXX kids this is not fair to penalize me on my credit after taking all my momey.
I overpard my balance on a credit card by {$15.00} and three months later I still can not get a refund. I think I 'm owed the over payment plus interest.
US  BANK  Cash plus Reward mone y is at least 1 % of any sale transaction I make. That is the promise the bank say they will gi ve away. I accumulated more than {$500.00} of reward money. I chose a few years ago to receive   XXXX   XXXX     XXXX    dollar   " gift reward card '' that I lost according to the bank because I did not spend it sooner!    I did not use those    XXXX    cards, since I did not need it. Today, I noticed that there was an expiration on  it  XX/17 . I di d not think it would be an issue a few year later when I wanted to spend. I have NEVER heard that there is a time condition to get that dollar back. This is not common knowledge. So, how is it that I can not get my dollar back unless I spend it befor e  XXXX  2017.    Also, I was under the assumption that this was a gift card, and it should not have an expiration date  ( Orego n  XXXX   ).   All this is very confusing . US  Bank promise that they would return that 1 % back to me. Why should n't I receive my money? because I waited too long! Again in the literature about USBAN K cash plus car d, they do not advertise that I will get that 1 % CASH BACK ONLY IF I spend it before a few year!     I started to call aroun d US  BANK requesting that they re-issue the card, like a regular check that has a 120 days expiration day. The money was promised to me as a consumer and they did NOT FULLFILL their promise to give me my dollar back for each {$100.00}, I spend.     Note  : US B ANK Credit Car d CASH PLUS  Card :  XXXX  I called and talked to Supervisor  XXXX  operator ID  XXXX , and then  XXXX  manager at  USBANK o perating number  XXXX . Insisted that I deserve 0 % cash back for not using the card on time.   US BANK  Gift Card Service  :  XXXX  I called the USBANK gift card issuer talked to Supervisor   XXXX  o perating number  XXXX
Credit card stolen XX/XX/2016. Reported to XXXX cancelled card and account. Keep getting billed by Synchrony bank. Have spent hours resolving situation but keep getting billed by bank. Have not had account in months. Each month call bank and am assured problem resolved. I do not have an account but XXXX keep billing me. XXXX wits so do not know what else to do.
XXXX XXXX issue me a {$1200.00} Walmart credit card. Within 45 days they lowered my credit to {$800.00} affecting my credit report and lowering it by 5 points. 

They claim is was because of increase use of my credit but I am also making 40 % more money. They did a poor job and most important it affected my credit rating protected under the FCRA. 

They had already ran a credit report 30 days earlier.
I would like to consolidate my loans but I keep getting some outrageous amount that already more than my debt itself
I moved to XXXX XXXX from California, XXXX a year ago ... i just bought a home here in XXXX ... .Im a XXXX XXXX, never been outside or worked outside california . Never been arrested and had any felonies ... .Well just bought a house so I need extra income from my XXXX job and so I applied to XXXX and XXXX ... and I worked for XXXX in XXXX XXXX about two years ago, drove with no problem ... I been applying for jobs, getting turned down and before me and my wife moved here we got turned down for a few rental homes also ... thinking I was just being scamed by the rental companies taking my application fees I never thought nothing of it, but I did send off fingerprints thru the FBI criminal investigations in West Virginia ... My fingerprints came up clear, no criminal history ... but when we get to XXXX I get turned down for XXXX and XXXX ... saying I had a public record for XXXX starting in XX/XX/XXXX tili XX/XX/XXXX ... .and spent most of those years in XXXX in ( XXXX , county ... Illinois ) ... now Im a XXXX XXXX XXXX with the XXXX and california credentials also ... .how in the XXXX this is possible I BEEN LIVING AND WORKING IN XXXX XXXX AND RAISING MY KIDS, before in XX/XX/XXXX I was in high school and worked my way up from a XXXX XXXX to a XXXX XXXX with XXXX and XXXX XXXX at XXXX stores in XXXX XXXX ... ... .The background system they used which seems to have the false information is ( CHECKR ) .... ( checkr ) ... they are based out of XXXX XXXX, California , ,, they have caused me to get turned down from jobs and housing ... I need this issue to be investigated ..I don't know if this is identity theft or mis information from the company that did the background checks ... .. 

Thanks sincerely XXXX XXXX XXXX
I have two student loans account that are on transunion and XXXX due to Fraud! They were listed on XXXX  but were removed XXXX XXXX 2017 with police reports and ftc affidavits. XXXX forwarded the information to both transunion and XXXX which they have to do because its a identity theft/ Fraud situation. Transunion refuses to delete the accounts as well as XXXX. Transunion I 've called 4 different times and they told me they can'T remove items that are fraudulent even if the other bureau proved it was fraud This seems so wrong and a violation
My student loans are from my days at the University XXXX XXXX ( XXXX, XXXX ) and at XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX ). 
I increased my monthly payment to {$500.00} per month, to pay down the principal. My credit report shows the payments as {$490.00} per month. I wondered why/how {$500.00} could become {$490.00}, so I called the Navient. I was told to provide a copy of the credit report, which I did, along with detailed explanation of my question. ( I sent it by certified mail. ) I asked why the AAP ( actual amount paid ) was shown a dollar short each month. I also asked Navient to fix it. 
The following week, I received a letter, which answered a different question ( I had asked XXXX, clearly marked, questions. ) The letter neither acknowledged nor addressed my concern about the mis-reporting. 
A month later I received an additional letter. Here is what it says ( in part ) : XXXX " You recently asked us about removing information from your credit report. We 've conducted a thorough investigation regarding your concern ( s ) and reviewed the information you provided to us. Our research has concluded the information we 're reporting to the consumer reporting agencies is accurate and no corrections are warranted. 
" The Fair Credit Reporting Act requires lenders who report information to the consumer reporting agencies to do so with accuracy. Navient can not remove accurate information previously reported. 
" If you still believe the information reported is not accurate, please provide additional supporting information such as a copy of your credit report,.... '' XXXX As I wrote above, I sent documentation, I asked why there the information was incorrectly reported, and I asked that it be fixed. I was told there is no problem, and that a copy of my dispute would be attached to the credit reports. The letter I received made no mention of what it was that I asked. 
An additional concern is that Navient seems unable to send me a record of past payments which includes the remaining balance of my loan. This is important, because the credit report shows the remaining balance, but it also shows the erroneous {$490.00} payment. I want to see if Navient is also reporting an erroneous amount of my loan being paid off. 
Thank you for your time.
Midnight Velvet is placed on my credit as a debt and I DO NOT OWN this acct. I have sent a letter asking for what actions we 're taken to prove this debt was mine and nothing has been received within their 30 day frame. This is a mark with all XXXX credit bureaus and making me look unworthy. This is not my debt and I want it removed.
Chase will not replace my money after un authorized withdrawals were made. I am very XXXX off. There system is incorrect and suggested I logged in and saw the money missing and did nothing about it????? Really?
I have been getting alerts about hard inquires from someone checking my credit report. I have not recently applied for any type of loans and should not have any hard inquires, Please have these removed. I am a re-occurring victim of identify theft. Please update my report and correct this. 

XXXX XXXX XXXX XXXX -XXXX  XXXX XX/XX/2018, XX/XX/2018 -XXXX XXXX XX/XX/2018, XX/XX/2018, XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018, XX/XX/2018 -XXXX XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XX/XX/2018 -XXXX XXXX XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018 Transunion XXXX XXXX XXXX XX/XX/2018, XX/XX/2018 XXXX   XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 -XXXX XXXX XX/XX/2018, XX/XX/2018 -XXXX XX/XX/2018
Fraudulent charges by American Express Travel Insurance were made on my American Express Card. I purchased airlines tickets on XXXX different airlines for myself and a friend, on XXXX XXXX, 2015. When I viewed my statement there was several charges for baggage, travel delay and accidental death. I contacted the company and told them multiple unauthorized fees were charged for a non-covered person and myself. I was told effective XXXX XXXX, 2015 anyone traveling on my account would be covered. I never received a notification regarding the new rules. After speaking to several people the baggage and travel delay charges were removed but to this day they have refused to credit my account for the ( XXXX ) Accidental Death charges. Insurance Representatives claim they received airline charges after XXXX XXXX, 2015. I believe my airline charges were deliberately withheld until after XXXX XXXX. I have spoken to several people and emailed an executive at American Express who has not responded to my email. A couple of representatives I spoke with by phone went out of their way to help me get a refund on the AD & D as I had for the other charges but were unsuccessful in getting a refund from the Insurance Division. I have been a long term customer of American Express and have never encountered a problem, any concerns bought to their attention were promptly handled.
On XX/XX/XXXX chase bank closed all my credit cards in error on a fictitious reasons. Ive been a perfect customer, never late always paid my ballance in full etc. Ive called the chase execitve office multiple times. Spoke with the officers which supposed to upload my info and them some other big heads make a decision. Chase execute ppl make you feel that we are the small customers waiting on their mercy. Anyway Ive offered to show them my bank accounts, prove my income to show them that is many times over the credit line Chase offered me. Closing my accounts have also caused me to have some fees with the bill payments Ive had set up with my chase cards. Chase is discriminating against customers with theirs rules demanding that customer has only so many other financial service per period excluding their service. Im sure this will make for a great class action A law suit if the right customer get together. Im demanding Chase to reopen my SW rewards cretit card immediately!