WillisBack/dataset-financial-user-claim huggingface dataset:
My question is what is the procedure of score rating by Equifax. 
What is the basis for a late car payment versus a late loan payment. 
A credit card payment versus short sale, deed in leiu, foreclosure versus foreclosure started A late College loan payment A repossession How are terms of length arrived at
Great Lakes is reporting my account as being 120 days late when I was approved for for it to be deferred until XX/XX/XXXX. My other account with account number XXXX is reporting correctly. I am not sure why they are still reporting my account with the late payments below. 

180 days past due as of XX/XX/XXXX, XXXX XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX
My name is XXXX XXXX Direct Recovery Services The ref account # XXXX This company has a computer calling my work cell during regular business hours about a debt that is not mine. I think they got my number illegally.

I want it to stop.

I received text messages from my cell date and time fromXX/XX/XXXX @ XXXX XXXXXX/XX/XXXX @ XXXX XXXX They want XXXX XXXX to call this number XXXX  about a debt.
My mortgage is with Caliber Loan, I received a modification though Caliber. I was making my monthly mortgage payment by cashier check. But they still foreclosed on my home, of which they recently foreclosed XX/XX/2016 and I was making the monthly mortgage payments. I 'm still living in the property. I received correspondence from XXXX stating they were going to foreclose on my property. I was not given the appropriate XXXX notice that is required by XXXX law prior to the foreclosure sale. It is a misdemeanor not to give the appropriate notice prior to foreclosure.
CFPB Complaint Experian Report # XXXX for XX/XX/2018 Dear Sirs, Greeting. 

We sent a letter with Disputed Inaccurate Information listed on our Credit Report to Experian, XXXX XXXX XXXX, XXXX, TX XXXX to the attention of : Dispute Department Manager, on XX/XX/2018. 

We provided detailed descriptions of the disputed items and attached a Copy of Government Issued ID and a copy of Social Security number as a verification of identity, and allowed 30 days for them to investigate and correct the erroneous information appeared on our report. 

Experian responded on XX/XX/2018 ; with a fraudulent request ; for us to ( AGAIN ) provide Copy of Government Issued ID and a copy of Social Security number as a verification of identity!!!! 

We believe that Experian and its Managers are acting in bad faith and in a violation of Fair Credit Reporting Act, by STALLING the investigation process ; hence the gap of time listed above. 

We believe by stalling and demanding verifications of identity MULTIPLE times, they will brush the matter away and avoid the costs associated with the investigation process, in their fraudulent attempt to escape their fiduciary responsibilities and in total disregard to the laws and regulations ; with no intention of correcting nor verifying our identity, evidenced by the attachments that sent to them that was referenced in our dispute letter.
We sold our house and the title company has been trying to get the payoff for 2 weeks. On Friday they told us that every time we call them it delays the request for the payoff. We aren't going to close on our house today and now the buyer is ready to walk away.
My new  XXXX   XXXX  vehicle became stranded in  XXXX , Florida on Saturday,  XXXX   XXXX ,  2017 . My lease supposedly includes full roadside assistance. When I called roadside assistance I was advised that because my car was physically  off of the road there  would be a {$99.00} charge payable up front  to Mercedes Benz in o rder for them to call a tow/winch service.     I made full payment of {$99.00} by  MasterCard with Co nfirmation Number  XXXX .   
Mercedes Benz called a tow/winch truck after payment. Upon arrival at my vehicle, I was advised that I had to pay an additional {$100.00} in cash plus a significant tip as there was no record of any payment to Mercedes Benz transmitted to the tow/winch service. If I had not had the additional {$100.00} IN CASH, I would still be stranded. The tow/winch service would not accept a credit card payment despite Mercedes Benz assurances that the entire fee was pre-paid as a result of their charge.
Mercedes Benz also gave incorrect and inaccurate information regarding the issue at hand and the remedy needed.
I was more than double charged for an item that should have been included in my regular service. In addition to the {$99.00} charged by Mercedes Benz, the company Mercedes Benz called to actually render the service made me pay a second time in the amount of {$100.00} plus a substantial tip to the driver of the service vehicle to stay and resolve my problem since Mercedes Benz had given wrong information to the service provider hired by Mercedes Benz.
Mercedes Benz knowingly and intentionally obtained funds by credit card by means o  f deceit and fraud in violation of the federal UDAAP statute and the Florida statute.
I would like this to be taken very seriously as I 've been working extremely hard to clear up and clean up my credit ; Prior to my credit updated via XXXX XXXX, I had a XXXX via XXXX + XXXX on my TransUnion, My new SECURED CC had yet to report ( The balance is less than {$33.00} ( It 's now showing {$190.00} ) ) - However I also still had a collection on my account prior to it updating. 

The final collection account was finally removed ( So I had nothing remaining in collections when it updated ) and my secured card finally showed up, somehow my TransUnion dropped 25 Points to a 515 ; and My XXXX dropped 62 Points to a XXXX. 

Keep in mind, there 's no more collections after I had a TON of collections removed etc and cleared up, Additionally I got a new CC ( Secured ) and have less than a 25 % current balance on that card. 

I was expecting my scores to skyrocket, instead they 've tumbled. WHY is this exactly, I really do n't understand, I 've done everything to clear this up and get this fixed. It does n't make any sense.
The debt collector won a court case against me without me being served with any kind of court papers back in 2012. And got a amount awarded of XXXX and XXXX in court costs for a total of XXXX and is now garnishing my wages at 25 % till a total of XXXX is collected
Incurred when still with now estranged wife. We each agree to pay half. The Account Resolution Corp agreed to let me pay my half all at once and to let my estranged wife make payments. My portion has been paid for 6 months now and it is still show I owe the full amount. This is still listed on my XXXX credit report.
Equifax refuse to remove outdated information from XXXX XXXX XXXX/ On the file is shows XXXX XXXX stating delinquency is from XX/XX/2013. 

FLORIDA LAW REDUCES THAT TIME TO 5 YEARS FOR A WRITTEN CONTRACT OR PROMISSORY NOTE AND 4 YEARS FOR AN ORAL CONTRACT OR OPEN-ENDED CONTRACT/NOTE.
I have made my payment in full before the terms ended so that i would not have to be charge excessive fees for carrying out the loan to the full term and when i paid it i almost paid double from what was loaned which was {$600.00} and i ended up paying {$1000.00}
Seneca Mortgage is now refusing to pay the invoice for my condo/homeowner 's insurance. XXXX mailed the annual statement in early XXXX, as they always do. They were upset last year when Seneca Mortgage paid them almost a week late and one week After the policy expired. Per XXXX, Seneca Mortgage has always had problems paying the debts of its customers on time. This is unacceptable. 

Seneca Mortgage is now putting my safety, the safety of my home, and my financial future in jeopardy. I believe that they are intentionally not paying the invoice as retaliation for filing a previous complaint.
On XX/XX/2018 a company called my father 's phone and called itself ARS and demanded that I call them to settle some legal matter. If I didn't a XXXX XXXX by the end of the day she threatened to take immediate legal action, freeze my bank account, garnish my pay and call my employer. At no time did she indicate who she was working for or for that matter what the name of her comapny was. 

My father called back and was informed that it was Atlantic Recovery Solutions and he hung up. Immediately after hanging up someone left a message from the same company that '' the apple doesn't fall far from the tree '' I am autistic and this does not help my situation. I do owe XXXX XXXX XXXX some money and have been trying to settle the matter.
Someone tried to open a credit card under my name using XXXX XXXX. My identity was stolen
I traveled to XXXX for medical reasons in XX/XX/XXXX. While there I attempted to withdraw {$60.00} for the Taxi fee to airport on XX/XX/XXXX and XXXX from the only ATM that dispenses dollars, at XXXX XXXX. The ATM denied my withdrawal since the amount requested was translated into pesos ( {$1100.00} on XX/XX/XXXX and {$1100.00} onXX/XX/XXXX ). The ATM request had a dollar sign " $ '' in lieu of pesos. I called Wells Fargo bank ( my bank ) to explain that I am requesting {$60.00} not {$1000.00}!. The rep I spoke with said she would have to raise my credit limit to allow the transaction. I argued that it made no sense since I only need {$60.00} and the ATM uses " $ '' for pesos. After much confusion she said to try again. I was able to get the {$60.00} and did so again on the XXXX. 
When I reviewed my statements I found I had been charged in dollars, and Wells Fargo refused to credit my the {$1800.00} they owe my account. I explained, and even asked them to call XXXX XXXX, since the withdraw limit is $ XXXX/day anyway. I have opened the claim twice with their Fraud Dept. with no effect. The Doctor i saw in XXXX called me and confirmed the bank will not dispense more than {$450.00}, and that the bank here is confusing the dollar sign for US dollars. Still Wells Fargo will not credit me the funds. Now they won't return my calls.
I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires on Transunion : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following credit inquires are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX. Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Co Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX Dated XXXX/XXXX/XXXX Dated XXXX/XXXX/XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX. I have asked the creditors and credit bureau to provide me with proof of my signature requesting the credit. Still no proof submitted from them.
I received an auto loan through Wells Fargo for my truck. Unfortunately, I have developed an XXXX in my XXXX as a result of a XXXX XXXX. Due to the XXXX I needed to have my XXXX  XXXX XXXX taken out and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. For six weeks Ive been on antibiotics through an IV. Then a XXXX XXXX XXXX surgery and a few months of recovery. During this time I am unable to work. I also have no income, I am waiting for the auto insurance to send me a check for my lost wages. I have tried to work this out with the lender and they said they have no way to help me. When the check is sent I will be able to pay off the total owed for while Ive been off work XX/XX/XXXX- XX/XX/XXXX.
I received a letter from XXXX stating that my loans were being transferred to FedLoan Servicing because I qualified for PSLF. On XXXX XXXX I received a letter from FedLoan stating that my previous employment had been approved and that I was in a qualifying repayment plan. I was told they would track how many remaining payments I had to satisfy the 120 payments needed for forgiveness. After my account continuously said 0 qualifying payments, I contacted FedLoans to inquire. The customer service representative stated that I had made several late payments outside of the 15 day grace period. I told her this was inaccurate because I had always been on automatic deductions since I started repayment of my federal loans. I was told in XXXX XXXX that it would take 90 days for the information from XXXX to be in their system. After speaking with them on XXXX XXXX, XXXX I was told that they would have to re review it and it would be another 60 days. The customer service rep said that she was not qualified to review my file. This contradicts what I was told in XXXX XXXX when I was told that everything was approved.
Today X/XX/17 at XXXX I made a phone call to Wells Fargo to make a payment so my student loan account would be current and up to date. I stated I wanted to make a payment of {$5000.00}. The Wells Fargo representative stated she could not accept the payment and that the student loan needed to be paid in full. My full balance is {$100000.00}. I stated I was unable to pay in full but can make a payment of {$5000.00}. She again stated she can not accept the payment and there was nothing she could do. I asked to speak to her supervisor. She then stated her supervisor was unable to help as well. She stated the only other option is to pay the loan in full. 

My monthly payment is at {$710.00} per month. I am 5 months behind. 

I am behind on my student loans due to the stressors of paying my medical bills that were coming in from a past hospitalization.
Inquires that needs to be removed, customer service would not take care of it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card
I received a credit alert from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that CBE made a change to my credit report on or about XX/XX/XXXX. The debt in a previous complaint to CBE Group by Consumer was indicated to be a XXXX XXXX account. I do not owe XXXX XXXX any further payments and do not know this account was sent to collections, however XXXX alerted the consumer that in order for this to be applied to my credit report someone had to use my social security number. 
Attached is the retrievable payment ( s ) that are verifiable through the consumer bank statement. The payment history is not a full disclosure of payments made over the life of the account but is verification that the account was paid and perhaps overpaid as the current total charges on the closing bill was {$61.00} and I paid {$83.00} on XX/XX/XXXX and another {$83.00} on XX/XX/XXXX for a total of XXXX. The payment verifiable as being made prior to that was {$300.00} on XX/XX/XXXX. This account is one that may have been compromised due to a housing matter already reported to the CFPB occurring on or before XX/XX/XXXX. 

Attached as follow are : -Account Overview ( Acct Number XXXX ) indicating the Total Amount Due for XX/XX/XXXX was {$400.00}. Last Payment Received on XX/XX/XXXX was {$83.00}. Current Charges Billed on XX/XX/XXXX was {$0.00}. 
-XXXX, XXXX bank statement indicating XXXX was paid {$450.00} on XX/XX/XXXX and {$180.00} on XX/XX/XXXX -A XXXX bank statement indicating the XXXX Power account was paid on XXXX and Charged XXXX XXXX, XXXX in the amount of {$300.00}. 
-A XXXX bank statement indicating XXXX Power account was paid on XX/XX/XXXX in the amount of {$83.00} and on XX/XX/XXXX in the amount of {$83.00} with a deposit of {$160.00} on XX/XX/XXXX. 
-A XXXX bank statement indicating there was an ATM withdrawal in the amount of {$80.00} from XXXX XXXX XXXX and that withdrawal was placed in the XXXX XXXX bank account. 

Again, this account was not believed to be behind but likely overpaid. I will forward documents to the source of this alert as well.
I used to work at the XXXX and had money for a subscription taken out of my paycheck. When I stopped working there, the paper stopped coming because there was no longer a paycheck to draw from. I never received a bill from them as I was not getting the paper. 
I received a notice that they sent a relatively small sum to a collection agency, Joseph Mann and Creed. I emailed the human resources director and was told the billing department was handling it but she refused to give me a contact person. 
I finally got someone on the phone who told me the account was closed, the balance was XXXX but that dealing with the collection agency was " my problem. '' Even though the letter says " The XXXX has requested ... '' This is not my debt. They are refusing to fix it. I have perfect credit and can not get help.
Hello, I use a fifth third bank account. I use the autopay through my bank ; where every month I go in and set the date of when I would like a check to be sent out automatically through the online portal. 

I had set that the XXXX my landlord would get a check through the online portal for {$370.00}. I canceled that check-called my bank and explained why I was canceling that check because my landlord turned off my water without telling me as I was living in the house. I had no water for a week- causing me to move out and find a new home in a day. 

My bank told me onXX/XX/XXXX when I went to cancel the check that I had more than enough time- that the bank was pulling the check from my account and not to worry about it and that my landlord would not get the check. 

XX/XX/XXXX- the check posted and now my bank will not help me at all causing my account to bounce.
At Bank Of America, I have had my personal & business checking account assessed with several NSF/Overdraft fees, since XXXX continuing into XXXX inspite of the fact that I was told the checking account has been linked with Bofa Credit card to avoid any fees and I covered the deficiency balance on numerous occasions the same day. Inspite of everything I have done to avoid getting hit with these fees, the account keeps getting charged with these erroneous fees. I contacted the personal banker, XXXX XXXX XXXX for this issue ( See email excerpt below ). I can not afford these fees as I 'm already struggling financially and being a long-time bank customer, and have maintained account in good standing. I 'm not getting any assistance from the bank for this issue. 

From : XXXX Sent : Friday, XX/XX/XXXX XXXX To : XXXX Subject : RE : NSF fees Hello XXXX XXXX Thank you for reaching out to me thru email. 
I did send the request already for your refund credit. As soon as I get the response from the request I will contact you. 

Thanks! 


XXXX XXXX Relationship Banker boa_logo XXXX CA XXXX Ph : XXXX Fax : XXXX XXXX From : XXXX XXXX [ XXXX ] Sent : Friday, XXXX XXXX, XXXX XXXX To : XXXX, XXXX Subject : NSF fees XXXX, Nice to meet with you last week for the NSF fees. 
As of now, I still have not seen anything come through yet for credits.. 
Can you please let them know that my accounts were not linked to the Bofa Credit card and also I was not aware of the depositing funds the same day in the account..Main thing is that I was told to open the card to avoid NSF fees and yet I 'm being charged on my Bus acct - XXXX & Personal account XXXX 

Thanks! 

Best Regards, XXXX
It appears I do not exist in the TransUnion credit reporting system, I do not have a TransUnion score, I do not have a TransUnion report, and I can not access any information from TransUnion via annualcreditreport.com, nor can I access any information from TransUnion itself.
The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/2017 and are proceeding to sale set for X/XX/17 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel. The lender is also not allowing time for the appeal period to be address and responded to prior to proceeding to sale. The denial letter has also not been received.
Restore my dispute page/Do not lock me out/Respond to mysecure messages/Refund me all those late fees and reversal payment fees and stop controlling how I make my payments.
I 'm having issues with XXXX medical collections that are not mine nor in my name, they list as individual accounts. I have advise the collector of the hippa violation. I am not responsible for those collections.
I have disputed account XXXX from XXXX XXXX XXXX reporting inaccurately on my credit file. I was [ n ] ever late with respect to this account. Experian has conducted an improper cursory investigation into this account. A Consumer Reporting Agencies reinvestigation obligation is to verify the accuracy of its original source of information. This duty may include going beyond the original source. See : XXXX v. Experian Information Solutions , Inc., XXXX XXXX XXXX ( 2010 ) .Please provide me with the method of verification as required under 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ( A ) promptly DELETE all information which can not be verified. Pursuant to the FCRA in 609 ( c ) ( 2 ) ( E ) ; " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated and or can not be verified.
I am filing this complaint because my credit score has been negatively affected due to unauthorized credit inquiries. I never signed anything giving Citizens One Auto permission to run my credit.

My attempts to resolve this with Citizens One Auto have been unsuccessful.
After checking my credit report from all three credit bureaus ; Trans Union, XXXX and XXXX, I noticed a negative remark on my credit report from XXXX XXXX. I then immediately contacted them by phone and was praying this was some random mistake and they would correct it. I soon find out that I both times, for 2 separate accounts, I have applied for these credit cards but was never notified of even being approved for any of these credit cards. I had them immediately shut down those cards, but was told one was already closed, and to start an investigation. Then I was told I can reapply for another XXXX credit card but we will close this one account and mail you a check for the difference. 2 agents told me the same story. After waiting a week, no check nor any phone calls or emails, nothing! Someone was using 2 different XXXX credit cards in my name and making payments for them, in my name, for over a year on one card and over 2 years on another card. XXXX 's Security and Fraud department promised they would start an investigation and they will not hold me liable for any unauthorized charges pending the investigation. I waited over a week and I received no mail or contacts from no one about these accounts. Since then I have called numerous times and transferred to many different agents. There has n't been no notes in the account for over 45 days now. Nothing has been done about these 2 accounts I originally applied for but never received. Just today I spoke with a XXXX, who would not provide me their employee ID or extension, and said they will escalate this matter immediately and that someone would call me back today. No one has called me back. I 'm wondering now who are the real fraudsters here? The people who have been using my cards I 've applied for or XXXX? Yet every time I call they try and verify that this is really me, why have n't did this when someone been using my 2 credit cards? And all the payments that were being made to these accounts, who get that for free? XXXX? I will be reporting them wherever I can. They record my phone calls but no records of what they have promised me? I will now be the one telling them, this call will be recorded, just to prove a point how crooked XXXX is.