WillisBack/dataset-financial-user-claim huggingface dataset:
I just received the highest credit score ( XXXX ) ever report by TRANSUNION on XXXX XXXX, XXXX. It also showed the number of inquires as XXXX. Credit report of XXXX XXXX, XXXX showed a score of ( XXXX ) and only XXXX inquiry. Why has TRANSUNION removed inquiries and turn around and re-enter. 
Credit scores are based on Credit history and payment pattern. These scores are used to assist lender in determining whether one will obtain a loan and/or what interest rates may be offered on mortgage or even a credit card. During a recent research into my credit files, it had been revealed that the credit bureaus reported a XXXX payment history, excellent rating on number of accounts, good rating on age of accounts, just to name a few categories. 
Scores are based on the information contained in your credit report. Confirming that the credit information on your report is accurate will ensure that the score is correct regardless of the model used. This I understand. 
TRANSUNION stated that these Adverse Key Factors will not be deleted from my credit report. I find TRANSUNIONS action totally absurd and completely inaccurate. 
TRANSUNION appear to categorize accounts under specific Key Factors, without specifying any account/s Customer being unable to determine what accounts are categorized under any reported adverse key factors affecting ones credit scores.has no chose but to dispute these adverse key factors. For example TRANSUNION reports delinquent accounts ( adverse key factor ) to creditors. who in turn forwards to customer. recommending to review credit files.Upon reviewing credit files, you find no delinquent accounts.If you find no delinquent accounts and TRANSUNION does not specify any account, then TRANSUNION is reporting incorrect data. Research has revealed that TRANSUNION did not provide sufficient data to support these adverse key factors and must remove these adverse key factors. 
Attached are letters and disclosures which state the identical adverse key factors that had been reported XX/XX/XXXX. No changes in verbage. Looks like these adverse key factors may have been copied and pasted. 
TRANSUNION stated that the customer must confirm that the credit information on your report is accurate. These Adverse Key Factors not being deleted from credit reports are totally inaccurate.
Due to XXXX deaths in the family and a personal hardship caused by my wife 's car accident which has caused a decrease in our family 's income and my recent XXXX out of the XXXX XXXX XXXX, we have temporary falling behind on our mortgage. My wife and I have been dealing in good faith with wells fargo and providing all requested documents in a timely manner. We have been most diligent in following up with Wells fargo to check the status of our loan modification application and we feel that wells fargo has not been cooperating with us as we look to achieve a mutually beneficial resolution. Our goal is to keep our loan obligation and secure a mutually agreeable loan modification solution. So that my wife and I can continue to raise our XXXX sons in our home. We appreciate the opportunity to work together with wells fargo so that both they and my family can benefit. I 've faithfully served in the XXXX for ten and half years and I would greatly appreciate wells fargo cooperated with me as we are now coming out of this hardship and looking to get back on track with our mortgage payments. I 'm currently working at XXXX XXXX as a fright XXXX and my wife is nearing the completion of XXXX and will be returning to work very soon. Once again, we are just looking for some corporation from wells fargo to cancel the sale date of XX/XX/2015 so that we can secure a loan modification and stay in our home.
EQUIFAX loss of Personally Identifiable Information ( PII ) through a cyber security breach as reported by the Company in XXXX XXXX, although by their own investigation, information theft occurred over a period of three months ( XXXX XXXX XXXX. Equifax never notified me personally that my information was included in the data that was stolen from their safekeeping. I am a Military XXXX and currently an XXXX XXXX working for an XXXX XXXX in XXXX XXXX and my unit provided us the method to confirm on an individual basis the loss of our PII by Equifax. I want it documented that I checked my status using Equifax provided web site and received a positive result, which indicates loss of personal information through by their negligence, and the fact that they delayed announcing the data loss after their investigation ended in XXXX until first week of XXXX, which provided up to 90 days for someone to use my personal information to conduct identify theft related activity should be a crime. Equifax initially established a web site where affected consumers could log in and enroll in credit monitoring but had to indemnify Equifax from future arbitration or civil actions. Their current web page now specifically excludes THIS breach that put 143 million Americans information into the hands of people that have no business having it. There must have been significant pushback by angry individuals for them to specifically address this single topic on their web page. This Equifax breach is now the third time I have been part of a larger group of people that have had their personal information exposed without consent.
XXXX XXXX has done a hard inquiry on my account. There was need for this inquiry. I have not applied nor do I have a mortgage. There should not have been any inquiry.
I was checking my Experian credit report and I found a Hard Inquiry of XXXX XXXX on XX/XX/2018. Just called them to ask about this since I haven't submitted any credit card application and they just told me to call Experian. Called Experian and they confirmed that XXXX XXXX has my social security number and name correct but my address incorrect and that I need to call them again and explain this but they don't help me with this issue. I just need that Inquiry to be removed from my credit since I didn't submit anything to them neither ask for credit to them.
Experian have not removed a debt that is over 7 years old. The dispute is that XXXX ( XXXX ) purchased a bad debt of mine from XXXX XXXX. XXXX XXXX reports the XXXX date of delinquency never brought current as of XX/XX/XXXX and XXXX ( XXXX XXXX reports it as of XX/XX/XXXX. Also, these XXXX agencies have not removed XXXX XXXX ( XXXX ) that purchased a debt from XXXX XXXX that the XXXX late payment never brought current as XX/XX/XXXX. I have disputed these items online with Experian and by mail and waited over 30 days.
XX/XX/XXXX transworld systems contacted my job and asked for me. When I came on the line they said I owed XXXX and if I dont pay Ill have a warrant issued for my arrest. I told them first off this is my job your calling and these call are recorded he cut me off and said the bill was for an ER visit XX/XX/XXXX I told them I have insurance and didnt have an er visit and told them not to contact my job. XX/XX/XXXX I was on break when I came back I almost passed out. They called back again but didnt speak to me instead they spoke to my coworker and told him what Was owed what hospital it was for and what date and said the police would be getting involved. Unbelievable I checked my credit on XXXX XXXX they have it on their I dont know what they are talking about I dont owe them.I work for XXXX XXXX and the phone number is listed for everyone to call so there was no way to block their number. Nothing can be done from their end but just to hang up on them.
I submitted a dispute with Equifax over a charge off account reported incorrectly on credit file with Equifax. I followed a dispute and passed XXXX days of investigation with wrong balance on file. Also, as today ( passing XXXX days ) it shows as pending, therefore, my credit is being affected due to delay in their end ( Equifax ).
I acquired the loan in XX/XX/XXXXto pay for grad school and have several concerns. First, I assumed because XXXX ( Now it has sold my loan several times to XXXX, now NelNet ) was under the PSLF ( Public Service Federal Loan Forgiveness ) at the time that if I committed to my education career without default for 10 years then I would be eligible for the Loan Forgiveness. However, recently I was denied because XXXX is no longer under the PSLF, although I have paid faithfully without default. I was so discouraged because I already had issues with how the payment plan was so skewed. For example, I have been paying on time ( monthly charges range from {$240.00} to {$330.00} ) since XXXX but yet have only paid {$2100.00} of the original loan of {$59000.00} in 10 years. This is outrageous! I feel trapped, cheated, and belittled. I have stayed with the companies because I was informed that I would be eligible for the Federal Loan Forgiveness Program because of my 10 years service in public education and should not move to another loan agency ( this move could " jeopardize '' my eligibility ). In addition, I 've paid {$29000.00} in interest but only roughly {$2000.00} to the principal. Please assist, these student loan companies that keep selling our loans with ridiculous interest, along with false advertisement that they qualify for the Federal Loan Forgiveness is unjust. Here are my request : 1 ) Please help me qualify for the PSLF since I was originally on the correct trajectory until XXXX blew it with the Federal Gov. but never informed me. 2 ) How can I get out of this ridiculous payment plan without being penalized.
Requested a new debit card in XX/XX/XXXX. Never received the card so I called to determine what was happening. I was informed that a new card ( a different one than the one I requested ) was being sent because the previous card ( the one that requested ) was compromised. As the card hadnt arrived even though they claimed it had been sent they sent another one. Fast forward another month. I finally receive the card itself but no PIN number. As of XX/XX/XXXX I still have no PIN number for this card. I have two checking accounts with them and have been using the card to my other checking account in place of the normal card until XX/XX/XXXX when that card too was cut off without warning for possible breaches at places Ive shopped. I now have no way to pay bills as they are connected to the old cards and I dont have new cards that I can actually use. When I called to find some way to keep things going until I received either PIN numbers or the new card and PIN the phone agent provided no tangible, actionable help beyond resending the PIN and a new card in 7 business days. There has to be a better way to handle this then cutting off cards without providing some type of warning beyond a letter that may or may not arrive before it happens ( if at all ). I now may face late fees and additional penalties for any bills that were connected to the second card that was used in place of the first one that was also cut off almost 3 months ago. I cant switch the bills to another card because I dont have another one to switch it too. While at the bank on XX/XX/XXXX for a separate issue that was resolved, another customer came in with almost the exact problem and was given little to no resolution. It seems like this system isnt working well and changes need to be made.
In XX/XX/XXXX, I called to talk to DITECH regarding my escrow increasing from an escrow analysis performed in XX/XX/XXXX. They were increasing my mortgage payment due to an escrow increase. I asked them why they paid my taxes in XX/XX/XXXX when it should have been a XX/XX/XXXX for XX/XX/XXXX. I told them that paying early effects the low point in the calculations and they said it would not happen again. Come XX/XX/XXXX I  found that they paid it again over 60 days early instead of XX/XX/XXXX when the payment should have been applied. This directly contradicted the escrow schedule provided in XX/XX/XXXX. I called them and asked for an explanation on why this occurred again. They said someone from Escrow would call me within 3 weeks. I waited the 3 weeks and no return call or correspondence came. I did however receive a notice that they were transferring the servicing of my account. This just seems like they transferred me out of retaliation when I was questioning them for manipulating the numbers to get more money out of me. I know they can have a cushion of 1/6 your annual escrow payout, and that they can bring the lowpoint to the cushion level. I feel that they are intentionally manipulating the numbers by estimating payments in one month but paying early to increase the lowpoint difference. I feel this is a shady business practice and down right predatory as we have no say in the transfers of servicing. Now I have to deal with the ramification of their miscalculations with another service provider. Since they have sold it, it now shows my lowpoint as XXXX when it should have shown a balance of XXXX which means they will charge me more money to bring up the lowpoint to the cushion. 

They need to be investigated for fraudulent manipulation of escrows as I am sure I am not the only one whom has had them do this. 

Also I think retaliation is a big issue.
I notice that this company is on my credit report. I never received any outstanding bills, any notices from this company no information about this collection agency
Bank of America can not show who withdrew from the account, or who received the amount withdrawn from the account. The amount withdrawn was {$9000.00}.
XXXX, XXXX XXXX & XXXX ( wife ) XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX, XXXX PROCESSING CENTER Your continuous DefraudingXXXX XXXX and gouging us financially isXXXX XXXX XXXX XXXX illegal by law. 

In reference to our Loan Statement dated XXXX/XXXX/XXXX which you continue to misled us about our Loan Payment Statement asking for month of " XXXX XXXX, XXXX payment was already Paid " Check No. XXXX. Plus copies of XXXX and XXXX XXXX accusing us we never paid. Now it deemed especially egregious the discourage repetition of misleading and deceiving us with your unlawful practices conduct. 

Your " fraudulent conveyance or other transaction with intent to Defraud us or to defeat our credit preference, plus gouging us financially is obvious. Your Payment processing center has had been told several times about our Mortgage payment never late, nor behind in any way shape or form. But, your continuous unscrupulous, maladminister conduct with our Mortgage loan payment become a malady toward ( XXXX XXXX. XXXX ) type maladroit activity. 

From the very beginning when our Loan processing started in XXXX XXXX and finally closed in XXXX XXXX, XXXX was the most extreme Maladminister and awful feelings my wife and I ever experiencing in our lives purchasing a home through so called ; .Loandepot Maladminister conduct obviously. We were paying {$1000.00} several times, until we found out Loandepot defrauding us with our Loan payment. Fraudulent conveyance information with my ( tax-exemption ; Code : T XXXX ) and also our Mortgage insurance disregarded by forcing {$100.00} on Escrow ( for Taxes and Insurance ) which brings it to {$1000.00} ; while " Praetorian '' is still our mortgage insurance. Loandepot Scheming and gouging us financially ever since. They 're still asking for {$150.00} as an overdue amount without an explicit detail. 
They are not VA Lender by the way. If they are, they will follow the VA guide-lines for Veterans Home Loan Eligibility accordingly. Nothing ; but willful fraudulent scheming and, financial gouge type of Loan Depot of course. 


Sincerely SubmittedXXXX, XXXX XXXX & XXXX ( wife ) XXXX XXXX VeteranXXXX ... ... With ... ..HONOR, COURAGE, AND COMMITEMENT
XXXX XXXX claims I owed them money after I returned my leased vehicle 13 months early. I dispute I owe XXXX XXXX any money because of overcharges. XXXX XXXX agreed to adjust the amount owed and I paid the amount in full the following month. I still dispute I owe XXXX any money. XXXX ( XXXX ) agreed to have my credit scores fixed after paying off the adjusted amount. I paid the disputed amount so my credit scores would be fixed and I could refinance my home loan. My credit scores are still inaccurate because of XXXX XXXX not send the correct information to the credit companies.
I set up auto pay with navent and they went into my account and withdrew money without out my consent my payments are due on the XXXX of the month they withdrew money XX/XX/XXXX, for the month of XX/XX/XXXXthey withdrew from my account three times making it overdrawn and costing me fees for stop payment. 
XX/XX/XXXX they withdrew XXXX and my payments are not due until the XXXX of each month. 
I made a payment of XXXX XX/XX/XXXX and they they withdrew XXXX and then on XX/XX/XXXX tried to with draw XXXX out of my account I had to stop payment on it and was charged by XXXX XXXX XXXX 30.00. I am not comfortable allowing them to do auto pay they have lost my trust and I feel that they have not given me correct information on my loans
I opened my credit card account in XX/XX/XXXX with XXXX XXXX  XXXX aka XXXX XXXX XXXX, XXXX. The current promotion at that time was sign up for a credit and receive XXXX XXXX miles to use at a later date. When I received my welcoming information regarding this credit card additional details stated that there was an annual {$69.00} fee as well as an introductory APR of 0 % for one year. I was not interested in the annual fee and called customer service on XX/XX/XXXX with Rep XXXX ID XXXX to see what options I had. Per the representative XXXX, I could downgrade to a no annual fee card and still receive the promotional offers from the card I applied for. The only change was that I will not accrue miles at the same rate. I arrived home today to find a statement. Because I bank online I rarely ever open my statements. This time I was curious and opened the statement. I first realized that I was being charged APR which is not what I signed up for. So I called customer service and spoke with Rep XXXX who explained to me that the 0 % APR introductory offer was only for balances transferred to this account for 15 months. I was beyond appalled with this new information that I further asked about the XXXX miles with XXXX XXXX. I was now updated again, against what I signed up for, that my miles were taken from me when the account was changed to a non-annual fee card. I have filed a complaint with customer service under Case XXXX with manager XXXX Rep ID XXXX. I will continue to follow the updates of this case. I will be paying this card off and no longer using it because of misrepresentation of the promotional offers. Please look further into this concern.
In XXXX XXXX I refinanced my home. The first mortgage was held by XXXX. They did not release the lien against the property. Ocwen is the successor company and is reporting the loan as paid of and closed to all XXXX credit bureaus, but refuses to issue a lien release. They claim to have no record of it and do n't know how all XXXX credit bureaus have identical information from them about the loan.
Capital One Auto Finance stated that I was 30-39 days late on the last car payment on my car in 2010, however they have failed to provide me a method of payment I used such as a check, moneyorder, and etc with the date they said I was 39 days late making the car payment.
Dear Sir or Madam, My name is  XXXX   XXXX . My hardship began when my children 's father walked out on me.I was unemployed and my left with all the bills and with the sole provision of my  XXXX  children. I worked part time meanwhile I searched for a full time job with flexible hours. I did not waste any time with my mortgage company, I faxed over a home affordable packet to be reviewed for a modification. Long story short I was denied various times due to not enough income to the point where I rented out a room for extra income and still it was not enough for them.  XXXX  of  2017  I finally landed a full time, well paid job with flexible hours.I make {$2600.00} monthly now and I was confident I would qualify for a modification but yet again I was denied because my loan was sold to a new investor and I was mailed out a letter informing me of this. Attached is the letter. I was notified yesterday  XXXX / XXXX / 17 , by  XXXX   XXXX , accou nt manager from Fay Servicing, that I was  approved for a short sale and he said I had until  XXXX / XXXX /   17  to decide if I want to go through with a short sale or else I would be foreclosed on with a sale date within 30 days. I did not apply for a short sale, I want a loan modification. I asked about the new investor on my loan and he said t hat Fay Servicing bought my   loan back. If they bought my loan back, then why are they not reviewing me for a loan modification? My home is severely under water!   Attached is the letter  XXXX  sent about the short sale. All of this is very confusing and all they have said to me is very contradicting! I do not want to lose my home, it is all my children and I have. I struggled so much to keep my home and now that I am financially s table, Fay Servicing will not work with me. Please Help!
I have been trying to have collections from my credit report. I am a victim of fraud and is hindering me to move forward in purchasing a home. 
XXXX XXXX  XXXX XXXX {$290.00} Last reported XX/XX/2018 XXXX  XXXX XXXX {$470.00} Last reported XX/XX/2018 Equifax XXXX XXXX {$800.00} XXXX XXXX XXXX {$290.00} I have sent letters to dispute issue and also disputed online for each creditor. 
There is someone with the same name is me living in Georgia. I am not sure if she is using my social security number but I had to put fraud alerts on my credit and also security freezes. I just need this issue resolved. 
I have sent letters to dispute issue and also disputed online for each creditor. 
There is someone with the same name is me living in Georgia. I am not sure if she is using my social security number but I had to put fraud alerts on my credit and also security freezes. I just need this issue resolved.
In XX/XX/XXXX and again in XX/XX/XXXX, a banker then a teller at 2 US Bank branches informed me that if my balance went to XXXX  the account would be closed. I did in fact close out the account in this manner. I no longer monitored this account as I had already done so to insure no outstanding checks or debits were posted. Now in XX/XX/XXXX I receive a letter informing me that I owe 2 months service fees and another past due fee. I took this letter to one of the same branches and another banker told me there was nothing she could do about it. This letter also claims " You have been contacted recently '' regarding this matter. It does not say how I was supposedly contacted or dates or times. This letter also threatens to damage my credit with other financial institutions. 
Thank you.
I am still waiting on a reply from Comerica and have yet to  get one an d I have waited at least 2 months for their final determination. Case number previously submitted -  XXXX . It would be appreciated if you could find out why she has never contacted me again since I sent her to information that she requested including a copy of the check that was issued to me as a cashiers check! I guess they figured that I would forget and that I would not continue to pursue this. I want a final resolution and my money returned.
I consolidated my student loans with XXXX. I have request all 3 credt agency and Nelnet, XXXX to be removed from my credit report. Now they are showing red marks. I am denied credit because of the loans that hve been satisfied. They all are on my report showing a huge negative impact