WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX 2016 I wrote Equifax asking to investigate my credit score. About 2 months ago I also wrote them for the same reason and got no response. I sent this request to investigate through the mail. 
I have heard no response. 
I filed Bankruptcy XXXX, 2016 and numerous tradelines were being reported wrong or should not be. Equifax would correct them, but the credit score would not change back. 
My XXXX score is XXXX. All I have on my XXXX are a lot of student loans either paid or being paid on time. On my Equifax I have those same student loans and XXXX 's furniture being paid. I also had the fraud child support, which is now removed. I told you all it was fraud. 
That wide range in credit scores XXXX to XXXX is too much a difference. Others told me that too. As said during my bankruptcy I would dispute items and removed or adjusted, but the score that dropped did not change back. 
I have asked Equifax for a copy of my credit reports since XXXX, 2016 so I can see where the problem lies since they refuse to investigate this. 
Someone with positive credit payments and closed paid accounts should not have a credit score of XXXX. They need to explain this score and they are ignoring me.
Per Case number XXXX XXXX XXXX states that they mailed a letter closing my account and stated that I was no longer obligated for the account on XXXX XXXX, 2016. Although I never received the letter they claim that they sent the letter to all XXXX credit bureaus. Not only is the information still on my credit report as open and in collections the credit bureaus refuse to remove the information from my credit report and claim that midland is still reporting the derogatory information. Per Case number : XXXX XXXX claims that they are reporting the information that it receives. This does not appear to be the case as these items are still appearing on my credit report. Please see the cases that were previously filed and have midland removed from my credit report as they claim they already requested the credit bureaus to do.
I am a salesman for a local roofing and construction company out of XXXX Florida. We are also our own financial company. A customer of mine entered the suntrust bank on XXXX XXXX, in XXXX Florida to get a copy of their bank statement to show proof of income for our financing. The manager ( I did not get her name, but she is a XXXX woman in her XXXX ) refused to give them their statement, insinuated that we were a fraudulent company directly to me and my customers, then attempted to steal my deal by suggesting that they should n't finance with us, and to have her write the loan. I find this extremely unethical. Not only did she kill my deal, she did so to benifit herself. A lot of people depend on us to be able to do business unhindered by outside parties with ill intent. These jobs feed the families of our employees, and her actions have made it harder for us to accomplish that end.
I had set up autopay for my credit card online with Commerce Bank. On XXXX XXXX, Commerce showed that my payment had gone through in their system. On the XXXX of XXXX, I learned that the payment had been reversed. I contacted Commerce to what the situation was. I went through my routing information with them to learn that my auto pay was XXXX digit off. The support staff was helpful and they changed my autopay routing number over the phone and then deducted the original payment as desired. 

My next auto pay was set to occur on XXXX XXXX. I logged onto my online account on XXXX XXXX to make sure everything was all set only to find out that my auto pay had been cancelled. I re-setup the auto pay but it said my XXXX payment was to go in effect on XXXX XXXX. There were no other options to immediately pay online so I contacted Commerce support again. I stated to him exactly what had happened and that I needed to confirm that my payment would be occurring on the XXXX of XXXX. He assured me that it would come out the next day and I again explained that the online system showed it would n't come out until XXXX XXXX. He again assured me that the payment would come out on XXXX XXXX. I asked for some sort of confirmation number and he stated that he was unable to provide anything but again assured me that my payment would come out. 

Not believing a lick that he was telling me, I emailed customer care telling them : '' -- - Original Message -- -Sent : XXXX/XXXX/2015 XXXXTo : CBISubject : Account InformationI just wanted to leave a message for you regarding my autopay. This will serve as notice if my bank account is not debited tomorrow ( XXXX/XXXX/15 ) that I have indeed attempted to pay on time. On XXXX/XXXX/15, I logged in to confirm what date my autopay would go through. At the time, it appeared that my autopay had been cancelled so I reset it up, however, it showed that my next payment would be XXXX/XXXX/15. There was no other means to allow me to pay online so I contacted customer support over the phone today, XXXX/XXXX/15, to confirm when my payment would be made. The support specialist today me that my payment should come out tomorrow even though online it shows that my next payment is coming out on XXXX/XXXX/15. I asked the customer support person to make a note that I confirm my payment would be coming out tomorrow. If for some reason, it does not and Commerce charges me an overdraft fee, I will notify the CFPB and this email will be included in that complaint. I hate to be pessimistic but I am concerned as the payment online shows XXXX/XXXX/15. " Sure enough Commerce did n't deduct my payment on the XXXX and charged me a late fee. Additionally, I was being charged interest on a balance that should have been lower. Thus, I was fraudulently charged interest in addition to the late fee. This is horrible business practices full of deceit.
During the middle of XX/XX/XXXX I was served with paperwork from Midland Credit Management under mine and my wifes name for a debt I was never listed on, we never received any notification by mail or phone that the collection agency had purchased the debt, the phone number they had on file has never changed, my wife still has the number they have on file. I called them to find out what was going on and first they said they couldnt discuss it with me and I informed them at the time they listed more on the lawsuit, the option of not dealing with me went out the window. They claimed it wasnt my debt so they couldnt discuss, I told them if its not my debt, why am I named on the suit? 

I then asked them when they bought the debt, they said XX/XX/XXXX, I asked what address do you have on file and they verified it was our current address, I then asked why they didnt notify my wife they bought the debt and they said they wasnt required to. 

I then asked if you bought the debt in XX/XX/XXXX and have our current address, why did you file in a different county? The first response was it was suppose to be filed in XXXX county. Then changed to we can file in any county in your state I said so you can have us served and if we dont have transportation to make it to that venue then we cant fight it, he said thats not our problem, we just need a judgment. 

Now they expect me to sign a form to claim the debt as mine as well, Im not signing any forms. 

Seems to be unfair collection tactics, Midland rather get a judgment than deal with a customer.
I contacted Revenue Assurance Professional via phone to resolve the matter of the debt, I asked the agent could they take a settlement amount that was less the amount I owed and she stated that their client dont settle they only accept the full amount or either partial payments or monthly installments until amount is settled in full. I specifically told the agent that I can NOT make any arrangements or commit to anything and I would contact them at another time. Nevertheless, I recieved a letter in the mail stating that I made a promise to pay XXXX on XX/XX/2018. That is false information Ive never agreed to pay any amount to them, they are providing false information and violating my rights as a consumer
I received a call from XXXX XXXX XXXX around XX/XX/XXXX. The person on the phone said I had a XXXX XXXX Card debt of {$890.00} dollars and the card was associated with XXXX XXXX, my employer. I used my XXXX card for making travel reservations to XXXX XXXX prior to XX/XX/XXXX. The card was issued by Bank of America. I went on medical XXXX leave on XX/XX/XXXX due to a personal injury I suffered on that day. I cancelled the reservations within 10 days of my injury to avoid paying any penalties for not using the services paid for with the XXXX card. Sometime after my injury, my employer switched from Bank of America to another issuer, who I guess is XXXX XXXX. I never opened an account with the new issuer since I was on medical leave and told by my employer to not engage in any employee related work efforts. Hence, I never knew of any charges to the XXXX card. 
When XXXX XXXX XXXX called me about a debt for {$890.00}, I was mystified about it. I told them I would check into it. I checked my last known XXXX account, from Bank Of America, I owe them nothing. I think this charge of {$890.00} is a false charge.
I have sen t 2 me ssages to the company using their secure messaging system on their website. I have also called them twice in an effort to get them to close an account that has fraudulent activity. Barclays Bank Delaware closed the account with the fraudulent charges. Therefore I am getting monthly bills with fees on the fraudulent charges, since I will not pay them. Ironically the company assures me over the phone that I do not owe anything.
I applied for a Chase XXXX XXXX credit card. At first, chase denied the application due to a fraud alert on my credit file. Once I removed the alert, I asked Chase to review my application again ... .it was denied a second time because I had apparently applied for credit too many times. Once I explained that the previous attempts were a local Chase branch applying for the wrong credit card by mistake and that no other accounts were actually established, Chase agreed to review my application yet again. This time, the application was approved with a {$20000.00} credit limit. This was several weeks ago but I had n't yet received my card so I called again ... this time I was told that my application was hold pending receipt of a copy of a government ID. I have faxed and mailed a copy of my driver 's license but still have not received my credit card in the mail. I am attaching my driver 's license to this complaint. Please complete the processing of my application and send me the credit card as soon as possible. One of the most attractive perks of the XXXX card are travel related ... .I am leaving soon for a vacation and would like to take advantage of these benefits. Please ensure that I have the card in my hands before XXXX XXXX. Thank you.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Re : Acct # xxxxxxxx To Whom It May Concern : Dear Equifax, XXXX , & XXXX This letter is in response to your recent claim regarding Acct # xxxxxxxx, which you claim I have errors, charge offs, fraudulent accounts on my credit file. 

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )  You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
This debt is from 2016. I never heard anything about this from XXXX XXXX Hospital or any other agency until 2016. I called XXXX XXXX Hospital and XXXX XXXX XXXX and neither have any record of the debt and say they do not use this collection agency. I sent a letter to Common Wealth requesting documentation of the debt. They did not respond. They keep reporting it to my Credit report causing damage! I feel blackmailed into paying this just to stop the damage to my credit! Can you help please!
XXXX XXXX - XXXX {$3000.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claim ... account was settled ... 
... grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping  careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & 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. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
My loan with Navient started around  XXXX / XXXX / XXXX  and after a year of payments with a lack of clear information, I got fed up with the truth and completed my last payment on  XXXX / XXXX / XXXX .   All my statements were unclear on my balance, my interest amount, and how my money would be distributed within my loan. I discovered on my statements that dates and amount adjustments were n't explained. My online account revealed a bit more information on distribution but still not clear on my interest amount and reasons for company liberties with my account.   In  XXXX / XXXX / XXXX  I spoke with customer service revealing of my $  XXXX  /day  interest &  240 payments til I reach forgiveness of about {$500.00} ( with 12 payments done, I had 228  to go making my interest about the same as my main balance ) At the start of my loan I was quoted {$2800.00} estimated interest for the life of my loan. On  XXXX / XXXX / XXXX  I was quoted " about {$7600.00} '' in interest.   After I paid off my loan in disgust, my brother, who I encouraged to enroll with loan forgiveness servicing discovered that you, the CFPB filed a lawsuit against Navient. I 've been collecting my information to approach you with my issue ... to be included in the lawsuit.
My wife attempted to purchase a vehicle and was denied by XXXX banks. The XXXX bank was a walk in visit. During the visit my wife was told that the reason I am getting denied is do to Wells Fargo reporting me as a paying only part ( partial payment ) of my mortgage. I have never paid a partial mortgage and coincidentally, Wells Fargo controls the drafting of my account for the payments. I then had to purchase the vehicle with a higher interest rate do to the lowered credit score.
Im am a XXXX XXXX XXXX minor and am getting called everday by a company who claims to be a debt collector for a balance i do not owe
My interest rate has increased on a student loan on that I had a locked in interest rate previously with XXXX XXXX at 8.75 % and now it has increased with Navient to 9 %, which they say is due to 'libor rate ' which is not what was told to me in the several recorded phone calls I had with them. In addition, since I paid 'in advance ' a one time lump sum payment of $ XXXX, it is now nearly impossible to make an automated payment over the phone and when I actually get a representative on the line, they want to charge a fee of {$14.00} for taking a payment over the phone!! Not to mention their practices of not including, all in one area ( even online ) how much I pay, the interest that was paid and my new balance - this information is separated and spread out making it beyond difficult to keep track of my principle balance!! This has been the worst experience ever trying to pay off this private loan.
Dear Sir, lady XX/XX/XXXX my score with Experian was XXXX. 
XX/XX/XXXX Experian lower my score XXXX points to XXXX for no reason whatsoever without an explanation. 
I expected my score to be raised since I have no outstanding debts, no late payments, no inquiries since XX/XX/XXXX and just paid back in full to XXXX card the {$1900.00} used to buy airline ticket to the XX/XX/XXXX Holidays with my family in XXXX. 
My score with XXXX is XXXX as of XX/XX/XXXX. 
I want file a complaint against Experian Regards, XXXX XXXX Last XXXX digits of my Social Security : XXXX
I had an American Express Business Platinum card. I requested to close the account on XX/XX/XXXX. The customer service did not inform me that I would be losing my points. Nobody gave me advice on waiting until the anniversary of my card which is XX/XX/XXXX. 

After XXXX withdraw my points back without letting me know in advance, I requested to re-open my card which was completed on XX/XX/XXXX. 

Given my card is active I would like to get my points back. I already paid a full year annual membership fee. I already made more than 13k spent on this card. In their response to my complaint from CFPB they acknowledge that their practices are subpar where they don't acknowledge what happens when you close the account. They don't read a fine print instead they say the customer should know it when they open the account which is 11 months ago in my case. Same old trick of putting things in to fine print and expecting people to remember. 

How Amex is treating a loyal customer since XXXX is beyond explanation. I like the benefits of the cards and continue to use it. But even though I have been paying my balances full every month and they chose to kick me out from the platform. 

Today I got another surprise. When I logged on I see all my cards are cancelled, personal and business, total of 4 accounts. Again I called customer service to complain about the cancellation. The person decided to cancel all my cards without reading me any fine-print, without asking me if I approve or not. She went ahead and cancelled all of them because she got XXXX at me. 

It seems very clear to me that Amex is putting me into a black list and trying to give me a lesson. If Amex is treating a customer since XXXX who has never had a late payment, imagine how it treats other. 

Thanks, XXXX
I had lost my job i n 2014 and was in the middle of a mortgage modification with my mortgage company. I had 50 % equity in my home. In the  XXXX  of 2014 my mortgage was taken over by OCWEN. After two y ears of pure stress produced from foreclosure threats, confusing conversations, correspondents and refused payments, they finally modified my mortgage. During that time they lost documents, made financial mistakes and in the end added {$12000.00} more to my principle.   XXXX  I am now stuck with a mortgage with a deceitful, dishonest company. I know they have been sued over and over for the same reasons. If not for my own persistence and knowledge in the matter, I would have lost my home. I have recently asked them for detailed information regarding the added {$12000.00}. As usual, I received a document that makes no sense and no explanation for the added {$12000.00}.
Wells Fargo provide a brand new full documented loan over the telephone ( XXXX v. Wells Fargo, XXXX ) we requested a modification to our existing mortgage with Wells Fargo we believe they colluded and coursed us into a full loan which removed us from qualifying for a Government HAMP loan as the date is now outside of the guideline for approval. Question is why did Wells Fargo not provide us what we asked, a simple modification. Wells Fargo not only requested but demanded over the phone we sign the new fully documented loan or there as nothing they could to help us. This eventually forced us into bankruptcy, we tried desperiately to communicate with Wells Fargo, and they ignored us, and eventually sold our loan to XXXX, who foreclosed on our home. We are currently making probationary payments to keep our home. Wells Fargo never told us they were selling our loan to XXXX until it was too late. We need HAMP assistance! Our principle balance should revert to XXXX due to our bankruptcy, and we should be able to get a 2-3 % interest rate. XXXX provide their solution which is NOT a solution at all, in fact we believe they are taking advantage of the situation. We can provide more information to you via PDF file. I spell out our situation pretty clear in my previous presentment to all parties involved.