WillisBack/dataset-financial-user-claim huggingface dataset:
FICO Score History Date Fico Score ( as Reported by Experian ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX How can someone trust this report which fluctuate without any wrong doing by a consumer? Can Experian attribute thygose score to the already settled collection ( XXXX XXXX, XXXX )? XXXX  reporting resembles a torture of consumers.
Collection Bureau INC for ( Law Office Of XXXX XXXX ) is reporting a debt that I do not owe on my credit report for {$960.00}. However this debt is not valid since I never signed a representation agreement agreeing to any of these charges ( attached copy of original agreement thats NOT signed ),. This company only has a statement of account ( attached ) for multiple invalid, non contractual charges.
I received a call from the police, notifying me that I am a victim of identity theft, so I requested a credit report. Upon viewing my report, I noticed a item reported that I know nothing about. The collection agency is Tek-Collect. Charge of XXXX reported to collections on XX/XX/2018, No Data on XX/XX/2018 and reported to collections on XX/XX/2018. No further reporting as of now. I tried calling Tek-Collect, but I can not get through to anyone. It just hangs up. The Original Creditor is XXXX XXXX XXXX. I have no idea what this could be for. I never received any correspondence from either company.
Credit & Collections is continuing to attempt to collect on a bill that has already been paid. What they are reporting to on my credit reports is inaccurate and is causing me undue hardship. I have disputed this with them and they have not responded to my letters and I have called. There rep verifies that this account was indeed paid and tells me it will be removed. However, it is still being reported and when I dispute it with the credit reporting agency, the come back as it being correct. Please help!!!
I have file full of documentation, including by chat lines and phone calls, but I can not access the information now, without closing this window, but I can give you the general problem. 

It concerns the inability to make a payment to Best Buy on an internet website that is maintained by CITIBank. The website has a problem, and they are now going to be charging me a late charge on my account even though I have spent perhaps 20 hours on the phone with both Best Buy and Citibank. Today, XX/XX/2018, I got woke up by a recorded message from Best Buy. I don't know why I even bothered trying to call them first, but I did, and was told to call back when they are open. But I already knew from the Corporate Headquarters of Best Buy in XXXX, Minnesota, that the website is provided by, and maintained by, Citibank, not BestBuy. So I started the parade of people in XXXX, First XXXX in XXXX XXXX, XXXX, then back to the US where I got XXXX ( XXXX ), who said he could transfer me to technical support, which sent me back to XXXX and XXXX, who sent me back to US and XXXX, who first said she was in customer support and then changed it to technical support. By that time, I have been sitting on the phone in my underwear for about 40 minutes, so I asked her if the call was being recorded, and she said it is, so I gave a very detailed explanation of exactly what the problem is that anyone actually in technical support and the IT department would clearly understand.. 

If I had not just changed from XXXX to XXXX XXXX, and wanted to drive 84 miles round trip to the nearest XXXX XXXX, to make a deposit that would clear the Best Buy payment, I suppose I could do that, however, I believe it is the responsibility of Citibank to fix the program on the Best Buy Credit Card payment site, so that customers can enter a new payment source, and to also fix the same drop-down window problem in the secure message portion of the website. It is not my responsibility to make a long drive at my expense to let them force me to use a bank account of THEIR choice. 

When you go to the page to make a payment, but you want to enter a new bank account, the page will let you enter routing and account numbers, but then there is a drop-down menu where you have to mark the type of account it is, as an example checking or Money Market, but you can not select either because of the technical problem. The CHOICES CAN NOT BE SELECTED. Before my next payment was due, about XX/XX/2018, I then tried to send Best Buy a secure message, but that window also has a drop-down window with a lot of choices about why you are sending the message, but again, YOU CAN NOT CHOOSE ONE OF THEM, nor can you send a message. 

And that was where the chat came in. I have three pages of trying to explain a technical programming problem to someone who is minimum wage in XXXX. When you ask for Technical support you get customer support. I spent a whole day, and finally called the corporate offices of Best Buy in Michigan where they explained that it is a CitiBank website, not a Best Buy website, and it is maintained by CitiBank.
Store card name : Best Buy Issue : retro-active interest on unpaid interest free balance balance = {$260.00} interest charged = {$160.00} Time frame XX/XX/XXXX to XX/XX/XXXX Best Buy is billing me {$160.00} in interest for 1 week on a remaining balance of {$260.00}. 
As the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX, commonly called the CARD Act signed into law XX/XX/XXXX protects credit card holders from unfair practices. Credit card users are protected from retroactive interest rate increases on existing card balances without a minimum of 45 days ' advance notice.
XXXX XXXX has reported a debt of XXXX to the 3 credit bureaus and this is from XX/XX/XXXX XXXX XXXX. I have tried calling them. No success. This is my daughter account who live in XXXX. I have no problem paying g XXXX it was reported under the wrong ss # and need to be removed. All 3 credit bureaus have my XXXX ID and address. From XXXX to present. Please remove.
XXXX, cra violation with other company not reporting 100 correct must remove items that are not 100 accurate actually all of them are inaccurate information
- I currently have a mortgage with a balance of XXXX as of XX/XX/XXXX, held by PNC - At purchase the home was valued at {$520000.00}, XX/XX/XXXX - Since purchase we spent ~ $ XXXX making updates to the interior including re-arranging the floor plan of the unit to add a walk-in closet to the master suite , opening living room, and adding a 13 ' x 7 ' room with a mounted wardrobe ( closet ) and windows as my son 's nursery - After these updates plus monitoring the market in our neighborhood we believed we were below the 80 % LTV required for PMI removal, a payment of {$120.00} per month - PNC required me to pay {$500.00} to use their recommended appraiser, which I did - PNC sent documentation outlining the value required to remove PMI would be ~ {$560000.00} - The appraiser was unable to accommodate a schedule where I would be home, so we left a key and the appraiser evaluated the unit while I was not home as agreed - The appraisal came in at {$560000.00} and also concluded there was no work completed on the unit - PNC then denied our claim for PMI removal due to the 19.91 % equity and stated that since we did not own the unit for 2 years and they defined no work having been completed we would need to make a principal payment of XXXX {$38000.00} to remove PMI - Our appraised value was within 0.09 % of 80 % LTV and our monthly principal payment is ~ {$730.00} which should allow us to hit the 80 % within a month - I attempted to call PNC on MondayXX/XX/XXXX where they told me the PMI team does not take calls and would respond in writing, the response would be available digitally XX/XX/XXXX if I were to call in - During this call I requested repeatedly to speak with a person who could assist, they declined - I called back Friday XX/XX/XXXX at which point they said the PMI team was 'behind ' and they could not offer a solution - I said I would not accept not speaking to a person with no resolution, they said they put in a request for a supervisor to call me back within 1 business day -- despite not offering this option on Monday - I then said I wanted to wait on hold, that was not an option supervisors were on calls - I then said I would wait for call back however in the mean time I was going to contact possible legal resources and the CFPB at which point they 'escalated ' meaning a more senior person would call me within 7 business days - I am hoping to resolve this quickly, after my XX/XX/XXXX payment I will have 20 % equity in my home based on the PNC appraisal I want PMI removed
Notified original company in 2010 that debt was included on bankruptcy. Never received notification from collection company of debt. Not responsible for debt included in bankruptcy.
sent several letters asking for verification of a dismissed chapter XXXX, keep getting the same response no action taken verified, no documentation, nothing with my signature, verified with who because I contacted the US bankruptcy court and they do not verify.
In XX/XX/XXXX, I changed homeowner 's insurance companies. I paid for the policy upfront in full on the date of issue, XXXX XXXX, for {$820.00}. I then contacted Wells Fargo to notify them that I changed companies and paid the insurance. In XXXX, I contacted them again concerning my insurance because it did not appear that they updated my records. They increased my escrow, based on the insurance payments that they alleged they paid, and increased my mortgage payments almost {$200.00}, based on an alleged shortage that did not exist. They then failed to apply my mortgage payments that my bank sent automatically each month, claiming they were only partial payments, putting my mortgage payments that were being sent like clockwork directly from my bank each month to be behind three months. They then threatened foreclosure action. I called the insurance company that verified that I, and not WF as WF claimed, paid my insurance. My loan is nearly paid off and suddenly, Wells Fargo has ruined my credit, based on an escrow shortage that does n't exist. In fact, on XX/XX/XXXX when I finally spoke to a supervisor, after being on the phone for over two hours with Wells Fargo, she admitted I had an escrow overage, not a shortage. If so, why did my mortgage payments increase based on an alleged escrow shortage? City taxes increased, but she said my escrow still had an overage after taxes were paid. WF created a shortage that did n't exist to extract additional money from me and to drive my home into foreclosure in order to extract additional fees and expenses.
I have disputed this account entry with XXXX on numerous occasions. In my letter dated, XX/XX/2018, I requested debt validation ( see attached letter ). I submitted a second request to them in my letter dated XX/XX/2018 ( see attached ) and they did not respond. XXXX blatantly ignored my request to provide a copy of the financial responsibility page and a copy of my signature with the alleged provider of service to release medical information to them as well as for them to cease any credit bureau reporting until the debt had been validated by me. XXXX did no such thing. 

By not providing the aforementioned information that was requested, XXXX is in violation of HIPPA rights. This entry is erroneous and inaccurate in nature as well as unverifiable and therefore should be deleted immediately from my credit report.
My card has charges on it that were not made by me. I wrote a Dispute letter and also a letter from my employer stating my where abouts during the date and time the charges occurred. On XX/XX/2018 at XXXX a charge for {$100.00} at XXXX XXXX XXXX NY . On XX/XX/2018 at XXXX a charge for {$210.00} at XXXX XXXX-NY. On XX/XX/2018 at XXXX a charge for {$60.00} at XXXX XXXX. XXXX XXXX NY US . On XX/XX/2018 at XXXX a charge for {$18.00} at XXXX XXXX XXXX XXXX NY US . On XX/XX/2018 at XXXX a charge for {$290.00} at. XXXX XXXX XXXX # XXXX XXXX NY US. On XX/XX/2018 at XXXX XXXX a charge for {$69.00} at XXXX # XXXX XXXX NY US. On XX/XX/2018 at XXXX XXXX a charge for {$100.00} at XXXX XXXX XXXX NY US. On XX/XX/2018 at XXXX a charge for {$81.00} at XXXX XXXX # XXXX NY US . On XX/XX/2018 at XXXX a charge for {$3.00} at XXXX XXXX XXXX XXXX NY US . On XX/XX/2018 at XXXX a charge for {$9.00} at XXXX XXXX # XXXX XXXX NY US . On XX/XX/XXXX at XXXX a charge for {$19.00} at XXXX XXXX XXXX NY US . On XX/XX/2018 at XXXX a charge for {$88.00}. Its been over 7 months I have no letter explaining why I was denied. I called over 30 times trying to get a representative to mail me this letter they put me on hold then say after an extended hold time of over 10 minutes they say no one is available. Sometimes they hang the  phone up on me. The card company is XXXX XXXX  Visa Prepaid Debit Card is issued by XXXX XXXX XXXX XXXX, Member FDIC, pursuant to license from Visa U.S.A., Inc. This lost of money has set me back on bills, food, and shelter.
I closed on my VA mortgage with XXXX XXXX on XX/XX/XXXX. The loan was initially serviced by XXXX XXXX, XXXX. My first payment was due on XX/XX/XXXX. We made our XX/XX/XXXX and XX/XX/XXXX payments on time. In XX/XX/XXXX, we received notice that our loan was being transferred to XXXX XXXX XXXX, and to begin making payments to them beginning with our XX/XX/XXXX payment, which we made on time along with our XX/XX/XXXX payment. During this process, we found out the Loancare did not send advice to XXXX XXXX that our XX/XX/XXXX payment was made, which we were able to quickly correct However, even though our mortgage was transferred to XXXX XXXX on XX/XX/XXXX, final payoff was not sent back to Loancare until XX/XX/XXXX. Loancare, therefore, marked us with a missed mortgage payment for XX/XX/XXXX, which caused our credit scores to drop and my wife was declined for a loan as a result. This is doubly upsetting because we not only made our payment to the correct mortgage company, but were supposed to be protected by RESPA, as the " missed '' payment was within the 60 window of transfer. I spoke to multiple reps at Loancare, who refused to help.
My mother sold her home in  XXXX   XXXX . The home was located in  XXXX  NY,  XXXX . My mother owned the home free and clear of any debt at the time of the sale. During the title search it was found that there was line of credit for {$28000.00} taken out against the home in  XXXX . The line of credit was paid off sometime on the late  XXXX  's. My mother can not find a copy of a release letter, or statement indicating the line of credit was paid off. Due to outstanding line of credit on the title search, {$30000.00} was held in escrow ( by the attorney ) pending receipt of a lien release letter. The line of credit was initially taken out with  XXXX   XXXX   XXXX , which was ultimately acquired by HSBC Bank. I have tried numerous times contacting HSBC regarding this issue. I would estimate I have called th em 20-30 times  and emailed/mailed/faxed at least 10 times. I have also had an attorney call them several times and send at  least 2 or 3 letters . I do have extensive documentation and timelines that I can provide.
Equifax mishandled my information which has led to a breach that puts me at potential risk as of XXXX  2017. 

I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
I had an XXXX XX/XX/2015 which should 've been covered by insurance. To date, I have not received a bill from XXXX fire dept or from the collection agency. I have also not received any phone calls. I went to get a car today and there is a collection on all XXXX reports which has dropped my score over XXXX points. The original creditor has not reached out to me neither has the collection agency. Now my credit score has been damaged as a result of their negligence.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX I previously disputed a repossession due to the company People Commerce not sending me a notice of rights after repossession. And the fact that the PA Attorney General Office suing their subsidy XXXX XXXX for selling me a costly lemon. XXXX has removed this but XXXX and XXXX are not removing this off my credit report.
a hard credit inquiry by XXXX not mine have had same account over 30 years for cable TV never lived in XXXX have been at same address 34 years not my inquiry please remove
The following Inquiries I have tried with all three bureau 's to get them to take these off my report because I did not authorize these company 's to pull my credit. I asked them if they were not going to take these inquiries off my credit report then to send me documents show that I signed for these company 's to pull my report. I know for a fact they can not show me I signed for a credit pull because I don't even know half of who these people are. So far nothing has been done about them and it is damaging my chances of buying a home. I have great credit if it was not for this. I keep getting the problem has been resolved and it has not. 
Here is the list : XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry fromXX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX, PA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX
On XXXX/XXXX/2016 I discovered an adverse remark being reported on my credit profile from Southwest Credit Systems, who is attempting to collect a debt on a {$74.00} account for XXXX XXXX. I was surprised as I was not aware of any debt owed to Charter, nor was I ever contacted or sent a bill. I called SW Credit Systems and they informed me that they sent the bill to an old address, and that they recently received the account in XXXX 2016. Should they have sent the bill to the correct address ( Upon closing my XXXX XXXX account I informed them I was moving and gave them my new address ) I would have paid the bill and avoided a negative remark on my credit report. There failure to meet the requirements set forth by the FDCPA, which clearly state that within 5 days from the initial communication they have to send me a notice advising me of my consumer rights and allowing me 30 days to dispute or pay this bill is now causing me serious financial harm. It is ridiculous that due to their own error, which they admit, they are unwilling to remove an unjust, erroneous, and incorrect adverse remark on my credit report. 

Ref # XXXX
I ask them to correct information on my credit reports from all XXXX bureaus and they have failed to do so. I had a car loan from XXXX in XXXX, WI and they sold a false claim to them in the amount owed by me.
I had my debit card stolen and fraudulent activity took place on XXXX XXXX 2017 call to report several unauthorized charges. Bank started a claim for these charges but did not tell me they would file old charges that were 60 days over time allowed. Provisional credit of XXXX and XXXX was put in my checking acct. A week later the XXXX credit was reversed leaving my act. a negative balance of XXXX. I do n't agree with this because i got no letters warning me of this and after contacting the bank the claims department states there working on getting this XXXX back from the merchant which will take 45 to 90 days if the merchant settles in the main time Iam left with a negative account.
Transunion and XXXX XXXX is illegally and intentionally reporting a bankruptcy XXXX on my credit report. On XXXX XXXX I was advised by a Transunion representative that they validated and verified my account via XXXX XXXX on XXXX XXXX XXXX. I called XXXX XXXX on XXXX XXXX, XXXX to confirm how this was because I put a complete freeze on my consumer report in XX/XX/XXXXdue to fraudelent activities. I was told by a XXXX, ( XXXX ) that i indeed have a freeze and no one including Transunion has access to my report but THEY ( XXXX XXXX ) contacted Transunion on XXXX XXXX to verify and validate the dispute I had with them regarding the inaccurate reporting of the bankruptcy reporting on my consumer report with XXXX XXXX. I was and still in total disbelief that both companies are disregarding the FCRA law as it pertains to how a consumers information is to be validated and verified and reported which is only through the original furnisher which in this case would have been the Bankruptcy Court which they ca n't validate. This bankruptcy that Transunion and XXXX XXXX are illegally and inaccurately reporting on my report has not been validated within the 30 days and must be validated thru the original furnisher and was not. I plan to sue both XXXX XXXX and Transunion for their unethical business practices if not removed immediately as required by law. Please assist in giving them guidance and instruction on this matter. It 's blatant XXXX XXXX has broken the law and provided someone with my information with out authorization after my report was frozen and it 's blatant that Transunion did n't verify the dispute in accordance with the law because they ca n't but they continue to report rather than delete as required. They claim they both contacted each other to verify so how did it get verified if either party verified. I do n't have a bankrupty reporting on any other credit bureau but Transunion.
Wells Fargo closed my accounts due to CIF. It was their error in that my address and phone number will not fit into their computer fields. I have opened an account with XXXX XXXX Bank but Wells Fargo Continually make excuses as to why they can not deposit my money at XXXX XXXX Bank. They have alienated me from over {$8000.00} of mine for over two months now.
I was contacted by XXXX a collection agency re an alleged XXXX XXXX Debt. I disputed it via XXXX XXXX. XXXX never responded. It then appears that the debt was then sent to the 3rd collection agency XXXX. I then disputed the debt with their office within 30 days and requested they validate the debt with invoice and contract. They are reporting negative information to my credit bureau. They responded only with an invoice that does not detail the debt nor does it prove that I owe the money. There is no contract attached, and the 30 days has passed
I sent this company a dispute letter dated  XXXX   XXXX ,  2017. H ere I had pointed out some blatantly incorrect trade line information that my credit report contained. I waited the allotted 30 days only to find this company had not rectified my report.  <P/> At this time I am reaching out to the CFPB and asking they investigate this company, as on the BBB website I have found thousands of complaint against this company where folks were suffering from the same mistreatment as I have.
I 've tried numerous times in telling Equifax that the XXXX XXXX account is CLOSED. I no longer have the credit card, XXXX XXXX has already charged off my account and sent it to collections. Under these circumstances it 's impossible that my account would be reporting as open, yet Equifax is refusing to read my disputes and is ignorantly not looking into the account status ( which if they did, they would see this is an closed account ) The attached document will show that this account was charged off ; something that would n't be possible if the account was still open
X/X/14 {$610.00} bank of america someone opened a bank account using my name and written bad checks causing me to get into XXXX XXXX