WillisBack/dataset-financial-user-claim huggingface dataset:
My credit score has gone down by XXXX points in 6 months. I have no open credit cards. I have had NO cards for over 10 years. I am trying to discover WHY my score keeps dropping? Last summer it was XXXX. Yesterday via, XXXX XXXX, it lists at XXXX! 
I am a small business owner and I 'd like to determine my correct credit standing. 
There is an old utilities bill on my report that I disputed months ago. The agencies required ( XXXX ) hard copy proof of ID and residence which I sent. I never heard back except with the same report. They did not address the inquire. They also stated I had excessive numbers of inquires. That 's ca n't be the case except for VERY recently with one last month and one last week. These are my very first applications for credit in over 10 years. What else would constitute a inquire if it does not come from an application I fill out myself. There reports are hard to read, in super small and " XXXX '' like format on the printed page. It would be appreciated if they could update their report layout for better clarity and understanding.They do n't address your questions and bog you down with copies. 
I 've lived at the same address for over ( 6 ) years and have not applied for more than ( XXXX ) lines of credit. Only XXXX was a CC and that was only yesterday. The other was with a XXXX to XXXX loan that turned me down. 
The utility is has been on my report for ( 6 ) years. 

Thank you,
I HAVE FILED NUMEROUS DISPUTES WITH EXPERIAN AND XXXX IN REGARDS TO A XXXX XXXX ACCOUNT ON MY CONSUMER CREDIT REPORT AND ACCORDING TO FCRA SEC 623 ( a ) ( 6 ) these companies are to stop reporting incorrect information on my consumer credit reports tha account that im referencing is a XXXX XXXX account # XXXX ... This account is suppose to be blocked and removed my my consumer credit report .I was a victim of identity theft and had no knowledge of this acccount ... And yet Experian and XXXX continues to report this account ...
I have been paying on my student loans for over 5 years now and the interest that keeps getting added is higher and higher. Ever since Navient took over, they have taken more than half in interest and my principal payment is a joke. Until XX/XX/XXXX of last year, I made regular XXXX dollar a month payment on XXXX dollars. I did take 2 XXXX courses at XXXX in XX/XX/XXXX, although the interest that accrues daily is ridiculous. I dropped my payment to a " graduated '' repayment plan which has not made a dent in what I owe. I am almost 6 years into repayment and I am so frustrated. I bought a car in XX/XX/XXXX which required me to lower my payments to make my student loan payment each month ( which I HAVE ALWAYS DONE ON TIME ) and my car payment interest is NOTHING to what I am dealing with as far as Navient in " accrued '' interest. This is absolutely unfair to all borrowers who make their monthly payments on time and still have not been able to cut down even a fraction of what they owe. 5 years???? I should be seeing some results by now and each time I have asked about forgivness, I was told by Navient well now since you have dropped your payment, graduated repayment will not allow for forgiveness when you reach 120 successful payments. There is NO WAY I can continue to throw money AT INTEREST that is going nowhere with my principal, am a single mother and working 2 jobs to keep myself afloat. I have a strong work ethic, and I took out the loans to further my education to be able to support myself and my child and since I have made every payment on time I should be seeing some dent in this debt. Also this summer, I took XXXX college courses from a grant funded program only to notice that I was not seeing any payment reminders from Navient. I calIed and was told that my loans were in deferment and I did not need to make another payment until XX/XX/XXXX! I was never informed of this action by the school or by Navient and feel this is just another way to keep the interest building. I feel as though I am being robbed and I need help. I am sick of hearing that well you can take this option but ... ..the interest will keep accruing. Also, I am offended that those who are faithful in making each and every on time payment are basically being left out of the lawsuit. PLEASE HELP!
I placed a complaint number XXXX where Ditech responded inaccurately. Again I am requesting a itemized breakdown on how they are arriving at the total amount past due so as I can liquidate my retirement account and bring this account current. As of XXXX XXXX XXXX according to a statement sent to me Ditech claims the totat amount past due is {$62000.00} where this calculation is inflated and before I send out a check for over {$50000.00} I want them to place in writing clearly how they are arriving at their total amount past due. 
The other issue in the original complaint which Ditech was not truthful claiming they never received the property tax reduction documentation where my property tax grievance reduced my taxes over {$3000.00} per year. On XXXX XXXX, XXXX I received a letter where it stated as per the origninal terms of my mortgage with XXXX before it was sold that on XXXX XXXX XXXX the interest rate increases to 4.0 % and my monthly payment according to Ditech as of XXXX XXXX, XXXX will be XXXX. 
This calculation is incorrect because it is not factoring in the reduction of my property taxes and their response to the original complaint that they did not received documentation is false. I am requesting a property breakdown of how they are arriving at this monthly payment amount of {$2500.00}. 
What this complany has done in essence is take advantage of someone who was suffering from a temporary XXXX and has dragged this matter on with false promises of a modification while playing a paperwork delay game where they allegedly applied for modifications four times of the past year. In XXXX XXXX when the company was named Green Tree I was instructed to stop making payments so I would have a better chance at the mortgage being modified and the clock reset to a 20 year mortgage and in some instances a 40 year mortgage.
I did dispute all of the inquiries by mail and I called each credit bureau, but no one was willing to help me. I received XXXX response by mail from Equifax ( attached bellow ) and they will not help. I have tried multiple times to talk to each credit bureau and I get the same rude response and know one will connect me to a supervisor or anyone in the United States offices. Some of the representatives I talked to were very belligerent and knew of the issue from looking at my account, but they would basically tell me too bad. I am really frustrated about these inquiries because almost all of them I did not authorize and I have no idea how they got authorization to look at my credit. I am very concerned about this.
I took only {$5000.00} short term loan and started paying regularly. I was not very sure that I would end up paying over 110 % interest rate over the years and I have been paying {$570.00} a month for past 22 months and as per their system I still owe them {$4000.00} Here are the details as per their table : Loan started on XX/XX/XXXX First 16 months {$570.00} paid every month : Total = {$9100.00} Interest and financed charged paid = {$7000.00} Only adjusted towards principle amount = {$1800.00} They never highlight interest rate but using I =Prt formula it is 105.96 % which is over ten fold of average standard bank loan rate for unsecured loan 6-9 %. 

Then I got into the debt trap. On XX/XX/XXXX they called me and promised me to lower my interest rate to single digit since I have been marinating a steady monthly payments for 16 months. They refinanced the loan and gave me only {$1300.00}. They have been directly taking {$510.00} since XX/XX/XXXX. 

Here is the details of the refinanced amount : Loan refinanced {$1300.00} 5 months {$510.00} paid every month : Total = {$3100.00} Interest and financed charged paid = {$2100.00} Only adjusted towards principle amount = {$480.00} They never highlight interest rate but using I =Prt formula it is 381.3449 % year which is over thirty fold of average standard bank loan rate for unsecured loan 6-9 % Does XXXX. XXXX of America know how ordinary gullible citizens are duped into this debt trap? THIS IS OUTRAGEOUS. EVERY LAW MAKER SHOULD BE INFORMED ABOUT THIS. I AM GOING TO SEND THIS ENTIRE STATEMENT TO EVERY CONGRESSMAN, SENATORS AND ALSO TO THE PRESIDENT AND VICE PRESIDENT OF THE UNITED STATES OF AMERICA. 

Their sales person was a sweet talker and lied to me on loan terms and interest rate. He said that if I made regular payments for 3 months they would bring down the interest rate to single digit. I never missed a payment for 22 months and to my dismay I found that they increased the rate substantially and despite numerous requests they did not change the interest rate and payment terms. 

As of XX/XX/XXXX, I paid total for {$12000.00} and interest alone {$9100.00} for an initial loan of {$5000.00}, which is 100.0339 % but got into this debt trap by their false and misleading sales tactics. I am a XXXX year old XXXX  patience and self employed. For me buying metformine for my XXXX is important in order to live. With this outrageous monthly payments I will not have any money left for my medication. Their debt trap will lead me to slow death as my medication is extremely important to me. The burden of never ending debt sugar level has increased significantly. Please help I am going to take it as my personal crusade to send details of my debt trap to every senator, congressman and the President and the Vice president of my country, This is what the reality check of America and how its citizen live everyday life.
My current mortgage payment is XXXX a month which includes putting money in to escrow. When I closed on my house we had closing costs and that should have covered this year towards insurance and taxes. Now my mortgage company is saying there is a shortage in my escrow and they are moving my payment up to XXXX. My insurance and property tax appear to be the same so this means my mortgage company never quoted me right and we bought the house know we could only afford XXXX a month for a mortgage.
XXXX XXXX XXXX billed unreasonably for my annual XXXX   preventive care check-up in 2015, which should be 100 % covered by my insurance. They even sent this to a collection agency, Credit Consulting Services , Inc . 

I have been working with a 3rd party investigator, XXXX XXXX XXXX ( prior XXXX XXXX XXXX XXXX ) to resolve this on behalf of me with the XXXX XXXX XXXX and Collection Agency. Neither the XXXX XXXX XXXX nor Credit Consulting Services , Inc. collection agency provided a reasonable answer and still demand me to pay a bill that I didn't owe. 

It's been more than 3 years and it still hasn't been resolved. It has affected my credit score tremendously, drop 60 points. -very frustrated consumer
I have had a VA mortgage since   XX/XX/XXXX   and it has changed hand s ( servicers ) 5 times in that pe riod. The latest took place, I 'm told, in   XX/XX/XXXX   from  XXXX  to  Loan Care.  I finally found this out, late in   XX/XX/XXXX ,  following my inquiries of the new service r ( Loan Care ).   I continued making payments to  XXXX  uninterrupted, throughout this period. Unbeknownst to me  XXXX  forwarded my p ayments to Loan Care fo r   XX/XX/XXXX &  XX/XX/XXXX b ut ceased doing so thereafter. My loan had gone all the way to pre-foreclosure wi th Loan Care. I provided proof of payments to Loan Care and they endeavored t o get these funds from  XXXX  without success until   XX/XX/XXXX  . Throughout this period I have received twice daily dunning calls fro m Loan Care.  In   XX/XX/XXXX    Loan Care  claimed they finished their research and told me it was now my problem to get  XXXX  to release the funds. Further, that my proof of payment was not valid because any check would have been returned to me followin g a two m onth grace period and not processed by  XXXX . This is utterly false. The " proof '' I provided was a combination of "  Cancelled '' checks and verification that my electronic payments thru BillPayer were issu ed & received.  XXXX  has the funds and I continue to have a delinquent mortgage, ruined credit and inaccurate filed   XX/XX/XXXX  Federal  Tax returns. Attached is how I was informed that my mortgage was now being service d by Loan Care. Th is door hanger placed on the door knob of an out building at my property that I only " happened '' to find on   XX/XX/XXXX .
I sent in numerous disputes referencing the inaccurate information on my Student Loan accounts, but the credit bureaus refuse to properly investigate this matter. I informed them that Section 63 of FCRA was enacted precisely to prevent inaccurate or outdated information. It was intended to impose a duty on furnishers of information and Credit Bureaus to update information that is being reported. Pursuant to Section 623 ( a ) ( 2 ) a duty to correct and update information. XXXX XXXX XXXX current records show that the periods that were initially reported as delinquent are no longer delinquent due to my accounts being in forbearance starting XX/XX/XXXX toXX/XX/XXXX. The payments are now, as a matter of fact, CURRENT during the previous delinquent periods of XX/XX/XXXXthruXX/XX/XXXX XXXX XXXX can't say " oh by the way he was late at one point. '' That is contrary to the code which imposes a duty to update information. The fact that at one point information existed that is NO LONGER current runs contrary to Section 623 ( a ) ( 2 ) and its requirement to provide current and updated information. The Credit Bureaus must report what the current record shows. The current records will show that I am up to date on all of my payments, including those dates previously delinquent.
I received a summons mid XXXX to go to court on XXXX/17 by  portfolio recovery for that from XXXX for {$640.00}. 

I have sent a letter to portfolio recovery and asked for validation of the debt and received no reply. I have never signed any contract I do n't owe Portfolio Recovery any money. 

I am being harassed and what they 're doing is against the law.
Current status, I have 3 loans through Navient. They are currently in grace period, but I have been making payments. 

XX/XX/XXXX - I paid {$2000.00} towards my loans. Navient withdrew {$2000.00} from my account and only applied {$1500.00} to my principle and interest. My Navient account reflects I only paid a total of {$1500.00}, however, my bank account is reflecting {$2000.00} has been withdrawn and the other {$500.00} has never been applied to my loans or refunded. An email from Navient on the date of payment reflects {$2000.00} was paid despite only {$1500.00} being applied. 

XX/XX/XXXX - I paid {$1000.00} towards each of my 3 loan accounts ( {$330.00} to each ). Again, Navient withdrew the {$1000.00}, but only applied {$330.00} to two of my accounts, totaling {$670.00}. I have the email confirmation of the {$1000.00} payment being received, and my bank account reflects the withdrawal by Navient with no refund of the unaccounted for {$330.00}. 

When I called about this issue, I was told that I only paid the amounts that Navient applied and that they refunded the unapplied amounts ( which is not the case ). I called again and was told, " my manager said that the money is not showing on your account because it was automatically applied to the principle. '' This is complete deception, and fraud, by this loan servicer, as there is absolutely no evidence that funds in question were applied to any of my debt, although they were withdrawn from my bank account and never refunded. 

If I looked beyond these two events, I 'm sure that my account would reflect more fraud by Navient. I will provide emails of payment confirmations and bank account withdrawals that reflect exact amounts on confirmations to compare to the inaccurate numbers on my Navient Account History page upon request.
I was on a payment arrangement with XXXX to clear a balance owed. I never missed a payment on the arrangement with XXXX because it was setup on auto payment. During my repayment plan I was assured that my balance would not be forwarded to a collection agency. On XX/XX/XXXX my final payment of {$37.00} was auto debited from my bank account. Then on XX/XX/XXXX I received a notice from XXXX XXXX XXXX stating I owed {$30.00}. When I inquired about the {$30.00} I was told it was a payment plan fee from XXXX and that I owed the amount. It was never communicated to me by XXXX that a payment plan fee was owed. This collection from XXXX XXXX XXXX has since been placed on my report reports unfairly. I went ahead and paid the {$30.00} fee because I wanted to resolve the issue, but it was never communicated to me that I owed a fee and XXXX confirmed that my account didn't go to collections. I've tried several times to have XXXX correct with issue with XXXX XXXX XXXX so they can remove the info from my credit reports. This negative credit reporting is creating a hardship for me and it should have never been reported based on all communications from XXXX.
I received my Macy 's XXXX credit card statement which only showed the XXXX items I purchased for {$46.00}. I did not pay the credit card for {$46.00} which was due on XX/XX/2016 because I know I will be returning the XXXX items. I returned the XXXX items on XX/XX/2016 which was several days before the due date. 

I received my XXXX credit card statement which reflected a late fee of {$27.00} assessed for the XXXX items I returned before the due date of the credit card statement. I called Macy 's to have them reversed the {$27.00} because the XXXX items were returned several days before the due date. They keep on telling me that it 's a valid charge since returns are not considered as payment. Why would I pay for something that I know I will be returning? It was promptly returned. In my opinion, this is unfair for the consumers. Macy 's is enriching its company from late payments on return items. How many consumers have to pay {$27.00} from this unfair practice?
Theres present accounts reflecting as open that Are not suppose to be on my account. Creditor insured it would be taken off. It is still reflecting negatively on my credit and should not be there and is also listed as an open revolving account. I have no knowledge of this. I did not approve this.
For approximately 6-months, I have attempted to resolve a " Collections '' matter with XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX. Currently, XXXX XXXX is attempting to extort approximately {$8700.00} from me. I have repeatedly sent formal letters to XXXX XXXX demanding account proof of ownership. To-date, XXXX XXXX provided a copy of the first page of the monthly credit card statement dated XX/XX/XXXX. Moreover, statement did not identify me as the owner, albeit statement listed a former address. Pursuant of the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( b ), XXXX XXXX must provide the original credit application with my signature, individual signed receipts for " ALL '' merchandise purchased and name, address, phone number and account number of " ORIGINAL '' creditor. I spoke to XXXX XXXX representative i, e, XXXX XXXX on XX/XX/XXXX @ XXXX. I was told " We are not required to provide detailed account information i.e. Original Application etc. '' I demanded all documentation in XXXX XXXX 's custody. After exchanging expletives, XXXX XXXX representative hung up the phone. Finally, I attempted to contact Bank of America ; however, account number provided by XXXX XXXX is inaccurate.
I was attending career point college and it close down due to mishandling federal funds. while i was attending i took out additional private loan to help me pay for school, i was issued stipend checks monthly to pay with .every since the school closed down i have n't received a check ... i did n't take all of the classes that was accounted for. i hopefully you all can help me lower or dispute this private loan. thanks XXXX XXXX
There is a Chapter XXXX Bankruptcy being reported on my credit reports. I contacted the Federal Court that report is showing and spoke to a clerk who advised they do not send documentation of verification to third party companies or credit agencies. She advised there is no personal information to verify this belongs to me such social security number, drivers license, date of birth or birth certificate. I asked the XXXX, Experian and XXXX to remove this inaccurate bankruptcy from my report and advised it had been verified. But I did not receive any documentation proving this Bankruptcy belongs to me. Per the XXXX County Federal Courts they do not and have not verified any information of a bankruptcy that belongs to me.
XXXX XXXX, XXXX  and Experian are reporting my score harmfully low. It is important to recognize that my credit score is violating my rights to obtain a loan including approval on a dwelling for my family, and preventing me from establishing any type of credit at all. I have worked tirelessly to improve my credit report and my score has decended dramatically with less negative items being reported! I am disputing the score on my three reports, with this reported score I can not be approved by a landlord, utility or insurance including a job! Inhave XXXX  children and a wife. This credit report and score is hauling me from establishing credit and my ability to create a safe environment formmy family.
This was a payday loan from nearly 5 years ago where I lapsed in payment because I had to XXXX due to an unrelated reason. I am being threatened to be taken to court for the amount of {$1400.00} plus attorney and legal fees, the amount of which is more than the loan amount was originally. They are calling me and representing themselves as an attorney 's office by name of Cooper, Hoffman, Klein & Associates. Please let me know my legal rights and if they are a legitimate group as I can not find them listed. I can not afford to pay the amount they are asking. They call under ( XXXX ) XXXX.
I entered into a long term repayment agreement with Avant on XXXX/XXXX/XXXX and I made regular payments according to the schedule. 

Avant scheduled a payment for XXXX/XXXX/XXXX instead of XXXX/XXXX/XXXX ( the actual date I made the payment ) and then deactivated the payment plan. 

I tried since XXXX/XXXX/XXXX to get them to reinstate the payment plan but instead on XXXX/XXXX/XXXX they offered me a settlement for {$2500.00}. I accepted the settlement so that I could be through with Avant but they then reported that I missed a payment for XXXX XXXX and XXXX XXXX when that was not the case. They are also reporting that the account was charged off when it was settled.
Credit Management LP XXXX Disputed unpaid XXXX XXXX collection {$240.00}. Please initiate a consumer complaint against this agency
Never lived at this address.Equifax- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX