WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX my Transunion FICO score was XXXX ( XXXX   XXXX ) On XX/XX/XXXX my Transunion FICO score was XXXX. A drop of 33 points in one week. 
My score had been increasing steadily for the past 6-12 months.

Each of the six factors used to calculate the score either remained the same or improved.

There are ( 0 ) derogatory remarks, and my payment history is 100 %. Credit card use declined. 

Despite several calls, Transunion is either unable or unwilling to explain the huge drop. Their dispute process only allows for individual line item questions. I feel that there must be some internal data snafu, or calculation error. 

Help!
I have several credit inquiries I did not authorize and they were illegally made in my name and asking that they be removed I have sinced added a fraud alert on my credit report as I thought I had one placed on my credit report.I do n't understand how this many inquiries does n't causes a red flag with the credit bureau.I live in a 3 bedroom apt with 8 people so I need verification that " I '' made these inquiries because having my address does n't prove that. Did " I '' authorize these inquiries????
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX/ XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXXXX/XX/XXXX/XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
I have inquiries on my report that have been giving me problems for almost 2 years now.It is from XXXX XXXX XX/XX/XXXX and XX/XX/XXXX.This is a duplicate along with others from companies that have been getting me denied for lines of credit.
On XX/XX/XXXX at XXXX XXXX XXXX XXXX called and left a voice message. Then at XXXX a rep called again and left another voice message. I can understand once a day but calling again is harassment. I still have the voicemails. This isnt just about mortgage. I have several loans with this bank
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX I have contacted and asked for proof of accounts and got no results. I told them If they couldnt prove me documentation I would like it to be removed.
On XXXX XXXX XXXX, I came across XXXX different, mortgage insurance company documents for our property. On XXXX XXXX XXXX, I requested Ocwen Loan Servicing through a qualified written request by certified mail to provide us the following information. First, we requested to know who is the insurance company that carried the PMI insurance on our property/note. Second, we requested to know how many PMI insurance policies there were for our note/mortgage. Third, we requested to know the amount on each PMI insurance policy. Fourth, we requested to know if the PMI insurance policies were ever paid out in order to pay off our note/mortgage when we were in foreclosure several years ago. Fifth, we requested to know who the insurance company paid these funds too, with all contact information such as name, address and telephone number. On XXXX XXXX XXXX, Ocwen Loan Servicing responded to my complaint. Ocwen stated ; our company has recently received a request for information on the above reference loan, which is enclosed for your review. Ocwen enclosed a payment history only and failed to answer my questions that I asked through the qualified written request. Now, per the RESPA act, Ocwen was suppose to answer my questions but failed to do so. Then on XXXX XXXX XXXX, I responded back to Ocwen Loan Servicing by certified mail through a qualified written request. This request was now sent to the Ombudsman office this time. I requested the same information once again. I further stated ; today, XXXX XXXX XXXX, we received your response dated XXXX XXXX XXXX. In this response, Ocwen failed to provide us the information that we were seeking. Instead, Ocwen provided a payment history sheets from XX/XX/XXXX to XX/XX/XXXX. This payment history sheet does not give us the information that we are seeking. Failure to comply with our requests will result in another complaint against Ocwen. Now, since Ocwen has failed to provide accurate information to the credit bureaus and failed to take responsibility over it, we have decided to file complaints against Ocwen when they fail to comply to each and every inquiry. On XXXX XXXX XXXX, we received another letter dated XXXX XXXX XXXX with documents enclosed. Nothing with in this letter reflect any of the questions that we asked Ocwen. Ocwen enclosed a copy of the note, Deed of Trust, an assignment of Deed of Trust, a notice of servicing transfer by Litton loan servicing, a modification agreement dated XXXX XXXX XXXX, a HAMP modification in XX/XX/XXXX and XXXX document located in XXXX XXXX California along with a payment history. Again, Ocwen Loan Servicing has failed to address each of my questions under the RESPA act.
Our home loan was in my husbands name only. He died in 2014. I kept up the payments as long as I could but had to sell the home in XXXX. After we closed, they sent an overage check for $ XXXX addressed to my dead husband after I had sent them multiple copies of his death certificate. Went to the local branch and they told me to send the check back and they would reissue in my name. They did not, they sent a letter telling me I need a copy of a filed and recorded executor document. I went to the county and they told me they could n't do that for me. I have sent US Bank a copy of the grant deed with my name on it and the interspousal grant deed that we both signed when we bought the house. US Bank said that want 's good enough.
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX  ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future.
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again. 

I want all of my credit freeze/unfreeze costs paid for with all bureaus as well as compensation for credit monitoring for as long as this breach of confidential data remain a risk for me, which is forever if my name/DOB/SSN/DL # has been exposed - or at least as long as this industry keeps treating an SSN and a smattering of largely disclosed and/or public information as a private key.
Returned item to XXXX and purchase was not refunded to XXXX Credit Line administered by Synchrony Bank.
I had spoken to a representative back in the fall of XXXX and this is where my journey with Lowes Credit and Synchrony bank started. I learned, that unless I hit a particular setting within there website, my payments would not pay off interest free promotions first. The representative I spoke to fixed one HUGE purchase interest issue, but instructed me to call back when I had time to look into older promo 's, in which interest was charged incorrectly because of promo 's not paid correctly. I did call back in late XXXX XXXX or early XXXX XXXX and the rep I spoke to put me on hold and told me, I should be credited back over {$1100.00} in old interest for promo 's not credited properly. Ive now gone back and forth with Lowes and Synchrony over this and while they credited me back interest for a couple months, as a courtesy, they never completed the amount to pay me back in older interest charged incorrectly. I was told by a rep on a chat line that as another courtesy, they would credit me back interest from my XXXX and XXXX or XXXX XXXX statements, and this not only never occurred, Lowes is refusing to look into this issue. Ive loved shopping at Lowes, love their credit promos and I continue to use them, but I think I should get at least these 2 months interest credited back as promised
CitiBank has still not been able to properly deliver my check from XXXX previous cases. The most recent one they sent me a photocopy of it, which is useless and can not be deposited. I asked for it to be mailed to me, at my correct address ( which they had on file under my CitiBank account the entire time ), but since they did not respond to my original claim resolution dispute I have no faith that they will respond to my XXXX resolution dispute. Hence, I am creating a XXXX one.
Multiple tradeline-credit reports of the same student loan disbursement by two or more loan servicers [ =tradeline reporters ] are unlawful being duplicate reports of one loan by one-and-the-same lender ( here, XXXX XXXX XXXX ). That is, it is unlawful for one lender, XXXX XXXX XXXX, to duplicate credit report the same loan simultaneously through more than one of XXXX XXXX XXXX subordinate/agent loan servicers, here, coincidental credit reports of one loan by both XXXX and XXXX XXXX. The lender for my federal student loans, legally distinct from mere loan servicer, is identified for each of my federal student loans in the National Student Loan Data System ( hereinafter, NSLDS, respective loan photocopy record pdf attached ). Duplicate loan reports by a single lender, XXXX XXXX XXXX, are unlawful because duplicate loan reports double/more-than-double borrowers credit-reported-debt for each loan duplicated in the borrowers credit report. The borrower is not liable to pay unlawful duplicate-credit-reported debt, but said illegal duplicate report materially adversely impacts said borrowers credit worthiness ( higher interest rates, less favorable loan terms, etc. ), and lowers credit score. In my case, duplicate/triplicate-loan-servicers ( s ) -reported student loan debts make it impossible for me to obtain even minimal new credit from any bank/lender, i.e. despite no adverse credit act in my life, and middle class US-government-paid income, I am denied any new credit. Reproduced below are the duplicate reports by XXXX ( prepayment loan servicer, i.e. no payment was owed to XXXX/no payment was made to XXXX ) and XXXX XXXX ( hereinafter, XXXX, current loan servicer, to which repayment installments are made monthly ) of same disbursement/student loan reported in my most recent, XX/XX/XXXX, XXXX, Experian and XXXX ( hereinafter, Credit Reporting Agencies or CRAs ) Credit Reports : ( See two tradeline pdfs attached from XXXX and XXXX. ) It is evident from these two tradeline-reports within one CRA credit report for the same {$20000.00} student loan disbursement, that my actual legal liability ( now after 76 monthly payments to XXXX ) on said loan is less than {$11000.00} ( 3 payments through XX/XX/XXXX, not shown ). Nonetheless, XXXX, a former servicer/never lender not owed any payment, illegally duplicate reports this one XX/XX/XXXX student loan, so my credit report currently reflects more than {$31000.00} debt for said one loan, more than {$20000.00} of which is XXXX fictitious unlawful duplicate reported debt I do not now/never owed. 
I have repeatedly disputed said unlawful duplicate reporting of my student debt to CRAs and XXXX, to no avail. To date, CRAs temporarily delete XXXX disputed tradeline then illegally reinsert it at XXXX unlawful oft repeated request. As legal lender and principal of both its agents, XXXX and XXXX, XXXX XXXX XXXX obviously bears ultimate legal responsibility for the actions of loan servicers acting in clear violation of federal law for benefit of XXXX XXXX XXXX.
I keep getting harassing statement 's in the mail, from XXXX, and Capitol One card 's. They wo n't quit harassing me. I want them to quit harassing me. I wrote them decease and dessist letter 's and told them which chapter 's I am filing and talked to a XXXX XXXX, he is a lawyer. He said they can not touch my financial money I get from the Government. Now I am going to get a free consultation from a XXXX XXXX up in XXXX, but have to call him tommorow. I am going to see what my right 's are and try to file bankruptcy. If you could please get these people off of my back I would appreciate it. I am sending you a letter and some info about their companies! Please call them and tell them to quit sending me statement, that I only get {$10000.00} a year approximately. I can not afford to pay them, they should have known better than to give a Mental Patient money. Especially when I told them i get SSI, and, XXXX, and Housing and urban development, and food stamps. I am poor and can not afford to pay them back. I am pleading bankruptcy, and seeing a lawyer about it. I have to see a XXXX. Please tell them to quit sending me statements and tell them to quit harassing me. Thank You! XXXX XXXX.
I have a home where my parents ( were/on title with me ). My father passed away in XX/XX/XXXX and I was trying to do a modification in XX/XX/XXXX and was denied the modification because his estate did not go through probate. My mother and myself did a quit claim deed from his estate to her and myself and then my mother did quit claim deed from her to myself to be able to clear title issue that mortgage company said we would have. This was not acceptable to them to clear title however when foreclosure papers came it showed just my name as owner of said property. 

I was told that in Minnesota when quit claim deed does not state joint tenants or tenants in common it defaults to tenants I have attached the affidavit of suviorship, quit claim deed and first page of foreclosure information received from Wells Fargo and it clearly shows all transfers done and recorded at county
Wells Fargo claims I opened up a line of credit with their bank for {$1000.00}. I have requested a copy of the proof as to when I signed for that account to be opened. They have refused and have continuously attempted to collect an outstanding amount of {$400.00}. They have reported this account as delinquent to all XXXX credit bureaus. 
I need you to assist in helping me identify if this is something I did open and if they can show proof I agreed to open.
This is my SECOND WRITTEN REQUEST. The unverified item listed below is still on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is not only mine but that it is correct. In the results of your first investigation, you stated that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? I requested copies of the original documents that you used to verify this account, and it has not been provided to me as required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately. 

XXXX XXXX XXXX
I had a citi aadvantage credit card, but have n't used it for the last 3 years. I have n't received or activated the replacement card. When I checked my credit report last week and found out i was charged with annual fee every year without having or using the card, I called citi bank to ask to waive the fee, but they refused.
This credit bureau decreased my credit score over XXXX + points when a delinquent account was removed from my credit report. Should n't my score increase instead of decrease or have I read all credit reporting wrong??? 
This credit bureau is constantly messing up my reports, scores and monitoring them is a job in itself. 

Credit score should INCREASE not DECREASE if a delinquent account is removed.
Between XX/XX/XXXX and XX/XX/XXXX Bank of America and their business partners, representatives and third party agents have colluded and conspired to defraud of my home and property by circumventing the rules of real estate, mortgages, loans, debt, and contracts. 

Specifically, Bank of America has intentionally withheld material information regarding the true status of my home loan mortgage account AND deliberately set out on a planned course of action to deceive, coerce, defraud, humiliate, and intimidate in their efforts to separate me from my home while pretending to engage in loss mitigation processes for years at a time and receiving monetary assistance from tax payers of the state and federal governments of the United States of America during such a scheme. 

Collusion occurs when two persons or representatives of an entity or organization make an agreement to deceive or mislead another. Such agreements are usually secretive, and involve fraud or gaining an unfair advantage over a third party, competitors, consumers or others with whom they are negotiating. 

A criminal conspiracy exists when two or more people agree to commit almost any unlawful act, then take some action toward its completion. The action taken need not itself be a crime, but it must indicate that those involved in the conspiracy knew of the plan and intended to break the law. One person may be charged with and convicted of both conspiracy and the underlying crime based on the same circumstances. 

104 ) Collusion 105 ) Conspiracy All previously mentioned resolutions are desired and mandatory.
PROBLEM As of XX/XX/XXXX Ive been trying for 2 weeks without success to get an updated pay-off quote for a 30-year mortgage Suntrust Mortgage ( balance {$14000.00} ). The problem is SunTrust is slow to update its own records about my paid flood hazard insurance ( XX/XX/XXXX-XX/XX/XXXX ). And despite having sent 2 copies of flood insurance policy & repeated contacts, I can not get any action from either customer service or insurance department @ Suntrust. If I call, I wait 10 minutes to get rep, get disconnected or get robo message that I dont have an account ; if I try to get on Suntrust chat I get frozen screen error message or log in [ XXXX ] get error message web site experiencing problems. 

HISTORY I have had continuous condo association-paid flood insurance through XXXX XXXX XXXX for duration of loan. Suntrust sent me XX/XX/XXXX notification letters : ( XX/XX/XXXX my flood insurance is expired, XX/XX/XXXX thanks for providing evidence of flood insurance, XX/XX/XXXX flood insurance is expired ). Since XX/XX/XXXX indicated no problem, I concluded that XX/XX/XXXX was a system erroralso a past problem. In interim Suntrust placed {$1000.00} in my account mortgage escrow to cover bank-issued XX/XX/XXXX- XX/XX/XXXX flood insurance. 

On XX/XX/XXXX my insurance agent emailed XX/XX/XXXX- XX/XX/XXXXcondo association flood policy to SunTrust & got confirmation receipt from same [ XXXX ]. SunTrust insurance advised me on XX/XX/XXXX that scan had not been received. On XX/XX/XXXX a 2nd copy of the flood policy was faxed directly from XXXX XXXX to SunTrust insurance dept ( 3-way phone call between l me, SunTrust Customer Service, XXXX, and XXXX XXXX ) again verified receipt. On XX/XX/XXXX customer service could not provide an updated account balance. Also on XX/XX/XXXX I emailed XXXX area mortgage loan officer XXXX XXXX who was unable to assist me other than to give me customer service phone # I already had. On XX/XX/XXXX my on-line account with SunTrust Mortgage shows escrow of {$1000.00}.
I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with these credit reporting companies 7 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with  XXXX  and Experian demanding for the rightful deletion by law. I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by  XXXX  because it was deemed fraudulent. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies. This is not a debt validation or account validation request. THIS IS A FINAL notice to delete the account that has been verified and validated fraudulent by the FTC. See attached reports cerifying ID Theft and specific account in question that SHOULD NOT be reporting in   XXXX   and Experian.     I am attaching my Official FTC ID Theft Report certifying the account is fraudulent.
I got the loan in XX/XX/XXXX, I really needed the money since I had just bought a home and was short on funds. Someone called me from the company after I did it online and went through their agreement over the phone and at a very fast pace. Being that I needed the money I agreed and did everything electronically, I have been paying them XXXX every two weeks as of XX/XX/XXXXand it is still going on. I finally called them in XXXX and told them that I had already paid them {$8700.00} on a {$2600.00} loan and that I could no longer keep paying them because I can't afford to. XXXX at XXXX  told me the balance was still@XXXX and there was nothing they could do. Is this considered predatory lending? I have paid them 3X plus the amount I borrowed. Can you please assist and let me know if there's something I can do about this, I can't keep paying them as I can't afford to my situation has changed and I'm struggling to keep up with my expenses. Please contact me with any suggestions.
Citibank advertised a promotion for its XXXX co-branded with Sears to provide a 10 % statement credit for purchases cumulatively exceeding {$300.00} and made at gas stations, grocery stores, and restaurants in XXXX and XXXX, 2016, specifically stating : " For total eligible purchases of {$300.00} or more each month XXXX/XXXX/16 - XXXX/XXXX/16 up to a total statement credit of {$100.00} each month. '' I registered for the promotion on its first day and spent over {$1000.00} in each of the XXXX and XXXX billing cycles at gas stations, grocery stores, and restaurants. Citibank, however, has credited me only the first {$100.00} statement credit and is refusing to provide me with the second.
Their customer service would not help and take care of the negative inquiries reporting to your credit report. 

XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
In Regards to my XXXX XXXX XXXX # XXXX XXXX card, I notice my credit report states a remark of XXXX for every month starting XXXX XXXX. However, this account has n't been in dispute. To make it even more peculiar this account almost never even had a balance or any charges on it to dispute. Additionally, in XXXX XXXX XXXX began reporting codes XXXX and XXXX, despite this account being in good standing since the date it was opened in XXXX, never having made a late payment or being in anything but positive standing. I was not notified the account was closed until the end of XXXX and never given a detailed statement as to why, despite my repeated requests. 

Furthermore, my online account access was restricted preventing me from viewing or seeing my past billing statements which XXXX has refused to provide past or even current statements for this and other accounts despite repeated written requests. My initial requests for documentation were close to 120 days ago, well past timeline set forth by the fair credit billing act, truth in lending act and fair credit reporting act, in addition to those timelines set forth in regulation Z