WillisBack/dataset-financial-user-claim huggingface dataset:
Both XXXX and Equifax decreased my credit score within the last week downward by 12 & 13 points. The reasons reported by these agencies was that my credit utilization rate had increased from 9 % to 20 % WHICH IS SIMPLY NOT TRUE.

I have three credit cards ; two with XXXX XXXX ; one with XXXX XXXX XXXX. My credit usage percentage is 9 % as reflected by both agencies own numbers. My total credit available actually increased by over {$2000.00} during the last 30 days to a total credit line between the 3 cards which is {$500.00} + {$950.00} + {$4500.00} = {$5900.00} credit limit. My total debt has not exceeded {$600.00} during the last 60 days, which would put my usage at about 9 %. I KNOW this because I Monitor my accounts daily and I herein challenge their numbers and DEMAND they be held accountable. 

Both agencies reported my credit balances incorrectly. While one card went down, the other went up slightly ; yet the bureaus reported both at their higher value as if they were that amount simultaneously -- which never happened. I invite you to pull my actual daily records from XXXX XXXX and XXXX XXXX XXXX and examine my daily credit balance against my credit line daily. It is not and HAS NOT been at 20 % during the last 60 days as these two agencies would have you believe. These two agencies took the high from two different cards on two different days and reported them as if the occurred at the same time -- which they did NOT. 

Because of their misrepresentation of my credit usage, both of these credit agencies lowered my score as stated above ; which hurts my ability to get loans at a better rate. I want this CORRECTED immediately. AND ... there needs to be some ACTION against such incorrect reporting. 

This is a prime example of the insidious nature in which credit bureaus artificially and purposely lower credit scores of consumers, affecting their lives negatively and without just cause -- except to benefit the financial institutions who Pay for the credit agencies. 

Credit Scores are held artificially low because such practices benefit the financial institutions that use lower scores to charge larger finance charges. 

ALSO, the exact mechanism by which credit bureaus calculate your score is held as a tight secret. Why should this be? There 's no reason to hide this information from the consumer. After all, it is the Consumer that bears the impact of these practices. Consumers deserve to be able to acurately and without guess work understand HOW their score is calculated and to know accurately how they might Positively affect their scores. This needs to be changed and veil of secrecy that only benefits the credit agencies lifted. 

Accurate credit scores could be utilized for the benefit of the consumer and financial institutions. However, scores need to more accurately reflect the overall financial state of the consumer. 

CFPB has done a wonderful job of exposing some of the injustices of our financial institutions relative to consumers and deserves immense credit for that work. I hope that will continue. 

Thanking you in advance, XXXX XXXX XXXX
They keep calling. If I answer somebody talks sometimes but sometimes they just hang up. If my answering machine picks up there is never a message. Calls early before XXXX after XXXX.
In   XX/XX/XXXX  I  reviewed my credit report and a  XXXX  account that I did not recognize was reporting on my credit report as a charge off with a    XXXX   XXXX   bal ance. I was informed that I could get a loan with this unpaid charge off on my credit report. I challenged the account with the credit bureaus and Equifax and   XXXX   verified the account.  XXXX  stopped reporting the account. Equifax and  XXXX  referred me to  XXXX . O n  XX/XX/XXXX   I  w rote my first letter to  XXXX  asking for validation of the debt with information on the origins of the account, date opened, date of first deliquency, what was purchased and proof that I opened the account. I was concerned that my identity might have been compromised. I received a generic letter back from  XXXX  in essence stating that the account was charged off and that the balance is {$24000.00}. No information that ensured me that I opened this account or that it belongs to me. I would think that I would remember charging up {$24000.00}. For the record, I do not believe I did.     I have sent two other letters, ( one on   XX/XX/XXXX  and the other on  XX/XX/XXXX  ) s tating that I believe that the  XXXX  account was opened without my knowledge or consent.  XXXX  has not responded to either letters. Equifax and  XXXX  continue to report the account as a open charge off with balance from  XXXX .     It has now been 8 months and I wrote  XXXX  a letter on   XX/XX/XXXX  to c ease all reporting of this account for failure to send me needed documents to show how I have a financial obligation the  XXXX   Credit Cards. S ince this is now my  4th let ter, I can not waste anymore time. I have given them 10 days from receipt to either to remove the reporting or send all paperwork that illustrates that this account is mine. I feel that  XXXX  is breaking the law by not sending me required information so that I can make an educated decision on what to do next. I feel  XXXX  is being punitive by not resolving the issue and that it is my understanding that they can not ignore my request to validate the debt or conduct an in-depth investigation if I feel I did not ope the account.     According to the  C.F.P.B.,  what are my rights as a consumer? I thought the burden of proof was on the furnisher on the data reported to the credit bureaus. Why is  XXXX  exempt in sending requested data to the consumer? I appreciate your efforts in helping me in this matter.
Pursuant to the Fair Credit Reporting Act, Experian is required to report accurate information on an individual 's credit report. Please be advised that I request you remove the following false information from my new credit report ( Credit Report No. : XXXX ) listed on Page XXXX : Telephone numbers ( XXXX ) XXXX XXXX ALSO refer to CFPB Complaint No. : XXXX
I was leasing car XXXX XXXX leaf model XXXX ) from XXXX XXXX XXXX XXXX. My lease was ended in XXXX XXXX. At the end of lease, I contacted them for end of lease instructions by phone. XXXX customer service said they will send XXXX of lease agreement, I have to sign, they will give 3 payments waiver. I received mail, i signed extension agreement. As per XXXX agreement I did not paid 3 months. XXXX reported to 3 credit bureaus 60 days payment late. I contacted XXXX they credited into my account. But they not responding to my request to Late payment removal. I am unable to rent apartment, employment credit checks, credit card extenions because of credit profile of Late payments from XXXX on my 3 credit bureau proflile. Please kindly help in procedure. I have copies of extension lease agreement, payment history. I was never late as XXXX payments are waiver as per agreement, XXXX itself credited themselves these payments then why I am late when payments are waived as per signed agreement. Thanks!
There are accounts listed on my credit profile that have inaccurate information listed as well as unverified information. I sent Transunion a follow up to my initial dispute requesting that the company provide me with the method in which they verified the inaccurate information on my credit profile. My request was received and the end result was yet another investigation and no information on how the data on my credit profile was verified.
Ditech mortgage company lost a wire transfer that was suppose to pay off my mortgage loan. The wire was sent on XXXX XXXX and it cleared on the XXXX of XXXX, however Ditech has no record of the payoff or wire transfer. Multiple times, Ditech has been contacted by both myself and the escrow closer but they were less than helpful and no one knew anything. They have no record of previous phone calls or conversations. They were suppose to investigate this matter almost a month ago but has done nothing. When I received a mortgage bill, I contacted escrow and my realtor right away. I am still getting mortgage statements when I have sold the property almost 2 months ago. Ditech needs to find the missing wire transfer and payoff my account. They lie to me on the phone multiple times and I feel they are theives.
I sent Equifax a certified letter on XX/XX/XXXX, stating that i was never notify of a few bills that was on my credit report. I discovered this by pulling my credit report.I realized that the bill was mine however, I was never notify of these bills prior to them being added to my credit report. I disputed them with Equifax informing them that I was never given the proper notification from the creditor. I received a letter from the Equifax on XX/XX/XXXX it stated that we verify these items have been reported correctly. This creditor has verify to our company that the balance is being report correctly on all the XXXX XXXX accounts. I never disputed for them to verify the account or verify the balance, I disputed I was never notify of the bill.
I XXXX XXXX am in the process of getting myself out of debt over the next year without filing for personal bankruptcy protection. I request a full modification package at this time from my mortgage service agency, where I can explain my hardship and my plans on working through it. Accordingly, I make this request through the Consumer Financial Protection Bureau to make it a matter of review to the general public to see how national banks work with the public.
I was sent a letter stating that I was in default, I checked in at the website, it shows my payment not being applied on the day I made it, my conformation no. Is XXXX, I also had a message saying that I called and made arrangements to pay on the third, I did not, I call and talked to a XXXX employee number XXXX and was told to disregard. Just trying to stay out of trouble, please help if you can, thank you.
After carefully reviewing my credit report, the report showed credit inquiries and collection accounts that are not accurate. I did not authorize the inaccurate inquiries found on my credit report and I understand that the bureau are not to put an inquiry on my report unless I have authorized it. There are also some collection accounts listed on my credit report to be an error. I never had an account with those creditors and I do not owe those debts. 

On XX/XX/XXXX I sent dispute letters to the credit bureau via certified mail so that the items could be investigated and reviewed with the creditor to be removed from my credit report if they can not verify the inquiries and collections by the provisions of the Fair Credit Reporting Act. 

As I stated, this was back in XX/XX/XXXX when I sent the dispute letters. It is nowXX/XX/XXXX-- 6 months  later and I have not receive a response back from the credit bureau regarding my dispute. Under the 15 U.S.C Sec. 1681i ( a ), the investigation must be complete within 30 days of receipt of the letter sent to the credit bureau.
I received letter XXXX XXXX XXXX. Attempting go collect a debt dated XXXX XXXX, 2017 from XXXX XXXX XXXX, who is attempting to collect a debt for XXXX XXXX XXXX. First I never received any correspondence from XXXX XXXX. Second the FDCPA ( 15 U.S.C 1692c ( a ) states Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or express permission court or competent jurisdiction, a debt collector may not communicate with a consumer in collection of any debt. I havent given either company the above written consent to contact me in collection of any alleged debt. Further more my name is XXXX XXXX the company has XXXX XXXX XXXX. I have no known relationship with these companies, XXXX XXXX or XXXX XXXX XXXX and I am un aware on how they may have obtained my information without my knowledge or consent. I have sent a letter disputing the validity of this alleged debt.
To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT { XXXX } XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX, XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
My wife and I recently purchased a mortgage loan from Sierra Pacific Mortgage Company who has since sold it on XXXX XXXX, 2015 to XXXX. We received a letter on XXXX XXXX stating that they purchased our loan and all payments should go to them. Problem is is that we already sent a payment to Sierra Pacific on XXXX XXXX, who was suppose to send our payment to XXXX. XXXX is aware of this but is showing a balance on our stubs for that payment and keeps call us about it even though we faxed them our check copy. XXXX has not received our money from Sierra Pacific and harasses us for the payment. Our payments are on every XXXX of the month so we would have to make the payment to Sierra because the letter from XXXX was dated the XXXX. XXXX also assumes that we are having trouble making the payments and one rep said we were " poor ''. My wife an I make enough money to cover our mortgage and do n't need to be belittled or harassed.
My social security card was lost and my number was used to open up a line of service with  XXXX .
We were in the process of a loan modification. It was a long frustrating road but we had finally gotten approved for a Partial Claim Modification. We have a trial period starting in XXXX with a payment of {$1400.00}. We were actually very relieved to receive this outcome. Two weeks go by and we receive a letter in the mail from BOA stating that our escrow account was revisited and our new payment would be {$1600.00}. I call my XXXX and ask what was happening. She tells me that something must have changed from last year, such as ; property taxes went up or my homeowners went up. I explain to her nothing went up. I know this because we receive copies of our tax documents and homeowners. She tells me she was going to have a customer service agent come on and explain it to me. The XXXX tells me all the scheduled payments being made to city taxes and homeowners. Everything she is explaining is also in the letter received. My new monthly escrow payment is {$570.00}. I ask the XXXX what was last years escrow payment. She tells me {$610.00}. I thank her and my XXXX comes back on the line. I tell her I am at a loss because my escrow payment actually went down from last year. She just keeps repeating herself, stating that they are not obligated to give me a lower payment. Basically we ended the call with NO explanation on how or why my mortgage payment went up {$250.00} before I even made the first payment. I feel that BOA is trying to take advantage of us in a desperate situation. I am already upside down in this mortgage. We owe over {$190000.00} and the last house that was on the market sold for {$75000.00}. We truly can not afford another {$250.00}. Someone please help us. How is this legal??
I open the checking account with Bank of America in 2015 and they close my account without letting me know what 's going, all they said because I deposited one of my cousin check into the account. And their account was close before it arrive me or the day I was deposit, they realized that I was deposit already. But I did n't. Because my cousin switch bank to credit union. So they close they account after the check arrive to me. So Bank of America close my account and sending to XXXX XXXX XXXX XXXX which I do n't know what was it. So I ca n't open the account any where else because they said I owe them. My direct deposit from my employer always come every 2 weeks.
I have been trying to contact each credit reporting services but is unable to find a telephone number to a live person to explain myself to. I have found numbers on line but sometimes are routed to sometime of third parties that charges some type of fees. Then tell you after your credit card is charged that they will forward your concerns to the credit agencies. 

I have also tried to fill out information on one of the agencies site but is being rerouted to third parties cites. 

I understand that you not be able to do a lot but I thought i would try reaching out to a government official site Thank you
I live in XXXX. I own a rental property in XXXX, XXXX. Over a year ago, I was not able to pay the mortgage due to increases to the taxes and insurances. I have tried all that I know to do. 
I tried to get a remod on the house. I have tried to get a deed in lieu. To no avail. every 3 months when I think we are about to resolve the issue, they change representatives and I start all over with getting them information. In the case of the final situation, they seem to have lost my information. When I re-sent the information to them, I did not hear from them so I am at a lost as to what other procedures can I follow. My mortgage is just collecting more and more debt and I need a decision to be made now. It is constantly hurting my credit in more ways than one. I need a path to settle this situation once and for all.
I received a correspondence for XXXX indication that Equifax reported to them that my credit score had dropped to XXXX, when in fact my credit score was XXXX the same week. XXXX responded by instructing me to destroy my credit card in which I have good credit with XXXX for years. 

Equifax, also reported that I had 12 inquiries in the last 12 months. I gave no one permission but " XXXX XXXX '', XXXX XXXX XXXX XXXX in 2017 and no other. 

As Equifax has had a breech I believe in good faith that this is the result of this error in my credit.
I 've already filed a complaint with cfpb against debt recovery ...   Debt recovery started that they could delete the accounts they had on file from all  XXXX  credit bureaus.   Debt recovery fail to do so..   Debt recovery has deleted the accounts and added it back to the credit bureaus..   Debt recovery never deleted the account from  XXXX  as  XXXX  stated they never received anything from debt recovery.   On   XXXX   XXXX   XXXX     Debt recovery also added acct #  XXXX  As I stated in the first complaint Debt recovery has NO VALIDATION I never gave them Permission to my personal information.   I mailed Debt recovery solution a letter asking them to validate the accounts.   Debt recovery have deleted the account from  XXXX , but not from  XXXX .  <P/> As cfpb can see that  Debt recovery/ Debt recovery solutions re sponse in the first complaint that they will closed and delete the accounts from all  XXXX  credit bureaus the accounts
Dear CFPB, Months ago I received notification that two collection accounts had been added to my Equifax Credit Report. They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$500.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$220.00} ) Since that time I have submitted dispute letters to Equifax requesting that they send me copies of the information they have in their file used to validate that this is my debt. 

On XX/XX/XXXX and XX/XX/XXXX I received two documents from XXXX that was typed by their office stating I owe the debt. They did not provide proper documentation. Also, prior to these collections showing up on my credit report I had never received any information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, My last dispute was filed in XXXX ; to date my concern ( s ) have not be adequately addressed. I am requesting that XXXX XXXX XXXX XXXX XXXX XXXX / Equifax remove these items from my credit report. 

Regards.
I mailed a check for {$300.00} to XXXX XXXX Bank on XXXX/XXXX/2015. I forgot to sign thecheck. I never got a call from them. On XXXX XXXX after 3 weeks on vacation I find the check in my mailbox.The correspondence has no explanation just the check. I call XXXX and I am told everything is fine so I make a payment of {$350.00}. They credit me back late fees so I am thinking everything is fine. I check my credit report and find the account is delinquent late 107 days. No phone call or email. I am glad they are using technology. They charge me ridiculous interest and pocket the money and provide zero service. Its a {$900.00} credit card. Are they kidding me? How about a XXXX time exception and remove the deliquency and late fee from my credit report? They tell me they are obligated to report it to the credit agencys. Yes, this is my fault I did not sign the check and should have called them. I was out of the country and off the grid. This is the result. Now my credit is ruined my score is under XXXX. Is there anything you can do to help me? This is on all XXXX credit bureau reports .... EquifaxXXXX
I was unable to make any purchases or log into my XXXX account ( operated by Coinbase , Inc. ) on XX/XX/XXXX. I received an automated message stating that a ticket has been opened for me. I emailed again asking for a status on XX/XX/XXXX, and received another response, this time from customer service stating my ticket has been escalated. I reached out again on XX/XX/XXXX, and am currently awaiting a response back.
Every time I get a call from the company it the same guy. He hang up the phone on me. Demand thing. Rude, disrespectful, just mean and rude.