WillisBack/dataset-financial-user-claim huggingface dataset:
Now for the issue. For the last 6 months I have been aggressively working on my credit score in order to purchase a new car in XX/XX/2019. My credit score was 27 points from reaching XXXX. Then to my surprise I receive a notification that my credit score dropped 36 points. So first pull my credit report to see what in the world could be the change because I dont have any added debt and Ive been paying all my bills on time. The issue why my credit score dropped 36 points was because on XX/XX/2019 XXXX reported to all three agencies that my student loan balance increased by {$3100.00} and then XXXX on the same day reported that my student loan increased by {$2400.00} for a total of {$5600.00} in increase debt. So I call XXXX and speak to Customer Representative # XXXX to see what was going on because I am not back in school and I havent taken any additional loans and the representative lets me know that I dont have any new student loans and there isnt an increase of {$5600.00} on my student loans there is only an increase of about {$300.00} and she doesnt know why XXXX  reported an additional {$5300.00} to the credit agencies. I have attached documentation reflecting the only change in my credit report. I also called all three agencies regarding the 36 point drop and each customer representative informed me that the change is due to an increase in my debt indicated by my student loan provider of {$5600.00}. I was also told that it could take months for my score to increase by the 36 points even if XXXX  fixes the mistake. 

XXXX inaccurately report on my credit reports and why no one has caught this. The 36 point decrease has put me in a completely different credit score bracket with a completely different interest rate for the car I have been planning to purchase. This error affects me in the long run and my financial well being. I need a person to give me a call to resolve this. I would like a live person to give me a call and explain why {$5600.00} was reported to the credit agencies and what is being done to fix the situation.
USAA Federal Savings Bank has been sending documents to an incorrect address. My physical address is NOT my mailing address. On XX/XX/XXXXUSAA purportedly sent notice that I was a co applicant on a loan. This letter would have been returned to sender. However, had I received the document I would have discovered that the information was incorrect and could have avoided what has transpired inXX/XX/XXXX. <P/>Attached are all relevant documents that USAA Federal Savings Bank has provided to date. I was also expecting copies of any and all documents substantiating that I am in fact a co applicant. All documents provided are unsigned and have a street address where I live but can not receive mail.
XX/XX/XXXX, 2017 : Our system detected unusual activity associated with your account ( Your case ID for this reason is XXXX. ) I have {$420.00} USD in my account and was trying to withdraw it to my bank and my account was restricted for no reason. I get a message stated unusual activity. This is not fair
I HAVE ALREADY NOTIFIED CENTRAL FINANCIAL CONTROL IN THE PAST TO CEASE AND DESIST ALL COLLECTION EFFORTS. THEY ARE TRYING TO COLLECT OVER A DEBT THAT I HAVE NO KNOWLEDGE OF AND ARE USING UNFAIR PRACTICES TO DO SO. I HAVE NO OBLIGATION TO THE DEBT AND DO NOT HAVE AN AGREEMENT WITH THEM OVER THE FRAUDULENT DEBT. I HAVE ALREADY SENT CENTRAL FINANCIAL CONTROL A NOTICE ATTACHED WITH A POLICE REPORT, AND HAVE ALREADY FILED A REPORT WITH THE FTC CONCERNING THIS MATTER IF EVERYTHING FAILS I WILL HAVE TO MOVE FURTHER WITH LITIGATION PROCEDURES.
Grant and Weber has posted two medical bills on my credit report one for XX/XX/XXXX and one for XX/XX/XXXX. Both for XXXX XXXX I never had any of the services on those dates and my medical insurance was with XXXX where it was fully covered. These postings and billing are erroneous. Please CEASE and DECEASE and remove all collection derogatory activity from my credit report
They call XXXX times a day even though I talk to someone EVERYTIME they call. I ask them not to call me repeatedly as I have already answered their questions EVERYDAY. My answers will not change at this time.
The lender is Instaloan in XXXX, GA. I acquired a {$600.00} loan but was not told that if I did n't pay off the loan the next month that it would cost me {$120.00} and month per month unless the loan was paid off. So now my loan balance is {$730.00}. That is what I would have to pay to pay off the loan. So basically if I ca n't pay the loan my balance goes up each month even with paying the {$120.00} fee each month.
Equifax reporting my name wrong also XXXX @ is hacked i no longer can get my XXXX.back because you guys are trading servises but remember CONSEQUENSES
I have located an incorrect late payment from XXXX XXXX Bank. The account has been paid and closed since XX/XX/XXXX. When I located this account, I contacted the Credit Reporting Agencies right away to have the account remove due to the lack of validaiton by the Bank pursuant the FCBA, and TILA. However, after endless dispute letters to the Bureaus, and phone calls, the account still remains there. I have advised the bureaus that the reporting dates are incorrect, it appears to be reporting as a 30 days late XX/XX/XXXX, but it was actually late XX/XX/XXXX, and that the account is over 7 years ago therefore, it must be removed. When I call the bureaus to complaint, they told me that, they can not call the creditor by phone as I have suggested, and that all they can do, is to send the dispute through XXXX. I am in the process of purchasing a home, however, the bank is giving me a hard time because of this silly 30 day late payment, that has been reporting wrongly for the past 7 years. Please help me as to the bureaus dont want to help me.
I just checked my credit and have a collection attempt showing up this month from a company called Midwest Recovery Systems claiming to be collecting on behalf of XXXX XXXX XXXX. I 've found this to be a Pay Day Loan service. I have never in my life obtained a Pay Day Loan, from XXXX XXXX or any other Pay Day Loan company. I 've emailed them saying the debt is n't mine and that it is fraudulant, but in looking online, it seems I am just one of many consumers being impacted and targeted by these XXXX companies. I also would like to add that I 've never been contacted by this company in any way prior to them showing up on my credit report.
I receive a letter from CITI stating that I had enrolled in Credit Protection ... which I NEVER ENROLL!! ... ..I never gave any one my concent to do so ... ..this is robbery on their part .... reference number ... XXXX
I purchased a knife via XXXX and paid using my checking account and received a significant less valuable knife that I did not order. First, XXXX declined to cover the purchase because they say the knife is not a protected purchase. This decision was not compatible with their acceptable use policy because nowhere in XXXX acceptable use policy does it say that the knife I purchased is prohibited. They use broad language and do not say that an automatic knife is prohibited and leave the consumer unprotected. Additionally I was under the impression that my purchases are protected from Wells Fargo, especially if I purchased a product and received something substantially different from what I ordered. I disputed the transaction for the product being different than described and fraudulent. The claims assistance center mailed me a letter saying that they found the charge was authorized. This was not what was disputed. What was challenged was that the item I received was not the same. This makes me much less interested in continuing my business with Wells Fargo if they can not protect me from a fraudulent transaction when the merchant is not replying to my communication.
I received two fake emails from XXXX at XXXX pm on XX/XX/2017. The emails contained my personal email address with a large deposit approved notification that was n't mine. I contacted USBANK and spoke to four different employees that were unwilling to log the potential IT problem into supervisory systems. My concern was that they are either USBANK internally is unintentionally sharing customer information or that their customer email addresses were stolen. I asked to have all my accounts frozen and then have the item reported. I was then hung up on by the representative. I did get some action from one representative who asked me to forward the emails to XXXX, but I had to talk to five representatives to get this to occur. I still was unsuccessful in getting my account frozen. I believe there may have been a PII breach and the bank 's response is unacceptable.
Equifax has not provided me, to date, their reinvestigation procedures, & additional documentation provided to them, in the matter of my dispute with XXXX. This is clearly a violation of the FCRA, which enforces fair credit reporting by the credit bureaus. To date, Equifax continues to falsely report XXXX Account # XXXX as a contractual debt under my name, without conducting a proper reinvestigation of my dispute. They have not provided me any further information which supports their verification of the item, and have not weighed impartially the documentation that I provided to them. 
In support of my complaint against Equifax, I am attaching the results of XXXX investigation of my complaint with XXXX. XXXX conducted a proper, impartial reinvestigation of my dispute, and deleted the false information from my credit file. Equifax has failed to conduct a proper investigation of my dispute, or provide to me their verification procedures and additional documentation provided to them, in making their decision. Based upon their actions, Equifax has violated the FCRA regulations, and should be penalized accordingly.
Capital One is blocking me from enabling external applications on the Internet. I want to be able to access my financial data, how I want.
We have reached CitiMortgage four times in different years for the past ten years with no solution to our request to help us in lowering ( modifying ) the interest rate of 12.375 %. We consider that this rate is three times higher than the current interest market, we have never been late in our payments. We can't sell the condo because we owe more than its value, we expected help by modifying our current debt with CitiMortgage, but it seems that CitiMortgage wants to see us in a very desperate situation and delayed in payments to give us a help, which is unfair. The last time we met was this past XX/XX/2018 at XXXX ( XXXX XXXX XXXX XXXX XXXX, Florida XXXX ), and the only solution they gave us was to cash-out from our primary residence and pay out this second mortgage. We consider that we have paid unfair interest, since the market interest rates have been lower for the past 5 years. Our current debt as of XXXX is {$26000.00}.
Experian has not been compliant with my resent dispute against companies reporting on my profile. They are NOT MINE and need to be removed within 30 days or legal action will be sought out. They ( Experian ) refuse to show me actual proof WITH SIGNATURES. They are also re-aging the accounts so they 're never removed ; which is HIGHLY against FCRA and other laws. The debts should NOT BE RESOLD or REINSERTED back on my credit EVER AGAIN. If they CA N'T provide the requested documentation then the records should be deleted IMMEDIATELY. The following companies are on my report inaccurately with account numbers attached : XXXX ; XXXX/XXXX ; XXXX/XXXX ; XXXX/XXXX Please see to t that they provide you and I with PROPER DOCUMENTATION WITH ACTUAL SIGNATURES. Once again if they CA N'T BE PROVIDED then these items should be DELETED PERMANENTLY. 

Thank You for your help on this matter!
Bank of Ametica knew, or should have known, the XX/XX/XXXX Modified Deed of Trust was defective and, therefore, void and voidable. Bank of America failed to tell me of the circumstances surrounding the modification and the resulting Deed of Trust. Bank of America continued to accept monthly installment payments from me while failing to correct or otherwise mitigate the defective XX/XX/XXXX modification including, but not limited to, offering a subsequent modification and informing me of the defects associated with the XX/XX/XXXX modification process and Deed of Trust. The first default occurred in XX/XX/XXXX. I have not made a monthly installment under the terms of the XX/XX/XXXX Deed of Trust since XX/XX/XXXX which resulted in the first default on this account and mortgage. 
Furthermore, I have been granted a modification in XX/XX/XXXX. However, Bank of America failed to inform me of this to date and have never offered any modification based on the XX/XX/XXXX Appeals Report granting of a MHA HAMP TPP on appeal. I have never reapplied or applied for any modification since being granted MHA HAMP and directed to be placed in a MHA HAMP TPP, but Bank of America insists on making such misrepresentations to me and others just to mislead and deceive in support of their intention to wrongly and unlawfully separate me from my home and property through an improper nonjudicial foreclosure and foreclosure sale.
On XXXX XXXX, 2016 I reviewed my credit report and noticed that an account that I do not recall. Therefore on XXXX XXXX, 2016 I sent a validation letter requesting information on the account they claim I owe them. As of today, I have not received a response from this collection account.
I am attaching the letter that I sent to XXXX XXXX, and Trans Union on XXXX XXXX. More than 30 days have passed, and they have not responded yet.
My daughter is still in school and does not have to make any payments on her student loan for 2 years. Since she had an awesome semester, I wanted to make a {$2000.00} principal only payment on her highest-interest loan balance. Great Lakes would not process this without first applying {$550.00} to her interest owed. This is not right at all. My daughter does not have to pay a single penny of principal or interest on this loan and Great Lakes should have a process to allow for principal-only payments just like any other type of loan. Student Loans should not have a 120 day limit on principal only pay backs. This is deceptive and misleading. I am not saying that she should n't pay the interest she owes, at the time it is due. But what I am saying is that I should be able to make occasional one-time principal only payments if I choose and that the lender should have a mechanism to processes these types of payments.
I have been negotiating in good faith with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX Tel : XXXX. XXXX XXXX XXXX refuses to send a statement confirming the amount that I owe. I sent them an EOB last month ( XXXX 2015 ). Only to discover that my case had been sent to collections. Peerless Credit Services, XXXX XXXX XXXX, XXXX, PA XXXX Tel : XXXX.
Credit card has been denied on multiple recent occasions, and caused me to incur a {$10.00} fee with my gym for a failed monthly payment, likely due to issues with the bank 's conversion of my XXXX credit card account to a XXXX card account. My XXXX credit card ( " MC '' ) has been denied multiple times recently though the bank 's representative I called and spoke with on Monday, XXXX XXXX, confirmed that I was not delinquent ; she said the payments had apparently been declined for incorrect expiration date submissions. She confirmed the expiration date on my XXXX was the correct XXXX on file. I explained that my gym notified me that the monthly gym membership fee ( which the gym has been deducting on the XXXX of every month for over a year from my MC using the same card number and expiration date ) had been rejected and assessed me a {$10.00} fee and that other payments had also been rejected recently, including a payment for an XXXX purchase ( prior to the recent rejection XXXX had successfully processed payments using the stored MC information on multiple occasions ). I suggested that the payments had been rejected due to credit card conversion issues at USAA : my MC credit card account is being converted to a XXXX credit card. I 've been issued a new XXXX card and was told the XXXX would be good until late XXXX, but several payments have been rejected well before the disclosed cut-off date. The agent said all she could see in the system was the reason for rejection of my payments for incorrect expiration date. I asked to lodge a complaint with USAA since I was concerned my issue could signify a more systemic issue with the credit card conversion but the agent said all she could do was make a note on my account. So far as I know, I have only incurred a single {$10.00} fee from my gym and merely suffered inconveniences for other denied payments, though other consumers may have endured more significant harms.
I had a loan with Consumer Portfolio Services for a XX/XX/XXXX XXXX XXXX. I lost my job and the car was repossed on XX/XX/XXXX. The car was sold at the auction for {$7700.00}, and the balance of {$7000.00} was applied to the balance of the car. 
It is showing on my credit report as I owe {$14000.00}, and that I am passed due {$6300.00}. I have called and was told that the payments continued to calculate even after the car was picked up and sold. I have asked that this be removed and that we work out a payment plan for the {$14000.00} and get no response
I received a Notice of Adjudicated Property Sale.  I have tried everyday multiple times daily to speak to someone regarding this at Ditech Mortgage. I receive their automated system and follow all the prompts, then once I finally get to speak to a person they all say this is the wrong area let me transfer you. I have been transferred repeatedly and always eventually get hung up on. I finally spoke to XXXX at extension XXXX and I asked to speak to a Supervisor and was told I had to submit my request in writing because they do not have supervisors in the office. This is a time sensitive matter dealing with my home and no one at the mortgage company can help. This is a major issue! The fax number I was given to fax my written request to was XXXX it is the same fax number that is listed at the website and prints on the Request to Establish an Escrow Account form and when you fax to it, the fax will not process due to the number being unresponsive. How are you supposed to get help on your mortgage if you can not reach a decision making person? This is unacceptable for a consumer to not be able to easily receive help for a mortgage issue that could cause them to lose their home!
XXXX Plaintiff Attorney on Record TBN # XXXX filed a suit against me in XXXX County Court, Precinct XXXX. The first claim is that this case was time barred pursuant to Texas XXXX Code Sec. 16.004 et seq. Texas XXXX Sec. XXXX. The second claim is that this company had no admissible evidence of a formation of a contract. This company has a history of within the CFPB for deceptive practices.
Over the past few years, XXXX began reporting that my loan was charged off when I actually paid it off. They reported to XXXX. XXXX corrected the issue on 2 or 3 occasions with oversight from Texas XXXX.

I was denied credit today as XXXX is reporting an XXXX foreclosure and negative in city from XXXX. I have never heard of XXXX.

I need this matter corrected immediately.

Kind regards XXXX XXXX
I bought a house in XXXX XXXX with an FHA mortgage. In XXXX XXXX, my mortgage was resold to Freedom Mortgage Corporation. Every month a portion of my payment to Freedom Mortgage is escrowed and they are responsible for paying my property taxes. 

In summary, my property taxes were due to the City of XXXX by XXXX XXXX, XXXX and as of XXXX XXXX, they have not yet been paid. I have spent over three hours on the phone with both Freedom Mortgage and the City of XXXX revenue department ( which is not at fault in any way and is trying to help me through this process ) to resolve the situation. 

Here 's a chronological list of the steps taken : XXXX XXXX - I received a tax bill from the city and called XXXX Mortgage to notify them. On this call they told me they received a copy of the bill and it was scheduled for payment by the due date of XXXX/XXXX/XXXX. 

XXXX XXXX - I received a notice, dated XXXX XXXX, from the city stating the tax bill was delinquent and interest had been added. 
- I called Freedom Mortgage about the delinquency. They told me a check was mailed to City of XXXX on XXXX XXXX and advised me to call the city. 
- I called the city, which instructed me to get a copy of the check sent by Freedom Mortgage so they could try to track it down and as proof that a payment attempt was made. 
- I called Freedom Mortgage a second time and requested a copy of the tax payment check. The customer rep told me that my record showed the payment never reached the city because it was returned, and if the last customer rep had scrolled down my record they should have seen that. They then told me to send an email to XXXXXXXXXXXX to formally request a written statement that my check had been returned, so I could pass the statement on to the city to avoid further penalty and going to collections. This conversation was the first time I was able to get an email address for Freedom Mortgage, they do n't publish one on their website. 

XXXX XXXX - I sent an email on XXXX XXXX requesting the written note about the check being returned. 
- I received a second delinquency notice from the city, dated XXXX XXXX and stating the bill was still delinquent and more interest had been added to the amount due. 
- I called Freedom Mortgage a third time on XXXX XXXX to request a written statement, stating when the payment would be made and the payment amount. I spoke with XXXX customer reps and both told me they were unable to send me anything in writing. They told me a check was initiated on XXXX XXXX and " the process would be complete '' by XXXX XXXX, so to follow up on XX/XX/XXXX to make sure it was complete. 

Please help. Freedom Mortgage is 6 months overdue on my tax bill. My name and property are tied to delinquent tax balances on XXXX public property and tax websites. My past due tax bill has now gone to a collection agency, jeopardizing my credit. Freedom Mortgage will not send me anything in writing either explaining where things stand or affirming that proper action is being taken, which leaves me to rely on their verbal word - which has proven to be untrue at every interaction thus far.
Hello, I applied for the XXXX credit card with Chase Bank about 6 months ago and I got approved and received my card and start using it. 

I also applied for the XXXX XXXX credit card with Chase Bank about a few months ago. I got approved, received the card and start using it. 

The other day when I called XXXX XXXX credit card to see why I have not been able to use the card past few days, they told me that my account is closed. I asked why they said they do not take closing an account lightly. That was their answer. 

To my surprise also found out later that day that the XXXX credit card was also closed. I asked them why and they said the same exact answer : they do not take closing an account lightly. 

Chase Bank did close my checking and savings account 3 or 4 years ago for no reason explained to me. But why would they give me credit cards and close it? This is hurting my credit score. 

Can you please look into this and let me know? 

Regards,
XXXX has continued reporting XXXX 2005. This was a debt switched to my name before my ex-wife divorced me. XXXX has changed collection agencies to keep this on my record. I 'm not paying it and it 's over 10 yrs old. Take it off. 
.