WillisBack/dataset-financial-user-claim huggingface dataset:
Please see attached Credit Reports for all three credit bureaus. The following changes have occurred since those credit reports where pulled XX/XX/XXXX : - My hard inquiries have decreased from ( approximately ) 7 to 2 ( depending on the Bureau. Please see attached documentation ). This change is a significant difference but it isn't reflected in my score and no increases have occurred to account for it.

- All of the accounts payments listed on my reports pulledXX/XX/XXXX were listed as okay ( " OK '' ) and most of the amounts paid were reported. The new credit reports ( XX/XX/XXXX) all omitted this valuable information ( listed as " NA '' or nothing at all with not payment amounts ) and it lowers the evaluation score pulled by lenders.

- My XXXX XXXX Loans length is not displayed and shows that my loans activity has started in XX/XX/XXXXbut the loans age should not be changed because the lender is the same and only the servicer has changed.

- My XXXX XXXX Loans were once only reported as one loan even though there were actually two. This has since been changed but didn't increase my credit history average.

- I have attached XXXX credit card statements for your review. You will notice that there are occasions when my credit card utilization is high. If you reference my XX/XX/XXXXand XXXX  bank statements you will notice that there was a credit card utilization of {$900.00} ( approximately 9 % utilization ). No factors in my credit, debit or purchases have changed since XX/XX/XXXX but this past XXXX I utilized approximately 9 % and my score went down 10 points instead of three. The recommended utilization for a credit card is 20 % and I barely use half of that so my credit card score shouldn't have even gone down three points this past XXXX and certainly not 10. There is no reason for this change and I believe that they are using unfair practices to evaluate my score by miss reporting information.

- My on-time payments, my consistently low credit card utilization and my decrease in hard inquiries on my account should have significantly increased my credit score but information has been changed and inaccurately reported resulting in my credit score only going up 7 points ( XXXX  : XXXX  > XXXX  ), 0 points ( Experian XXXX  > XXXX ), and -1 point ( XXXX XXXX>XXXX  ). I have attached the full credit reports from XX/XX/XXXX for all three bureaus. You can review the soft XXXX from XX/XX/XXXX to review the credit scores that I had at that time.

damage ever since.

- The first time I called to address the why my score went down I was told that my score didn't change, the second time I called I was told that the score is low because of two late payments back in XX/XX/XXXX. But I have been recovering from that damage for four years now and its impact on my score shouldn't have changed because all the factors in my reports have stayed the same. I talked to about 7 different representatives and finally, after asking how I could report this, she referred me to Consumerfinance.gov.
XX/XX/XXXXvia telephone call capital accounts llc, the spokesperson stated that I owed a balance that is not accurate. I informed the spokesperson that I filed a complaint with XXXX stating that the balance due was not accurate and my balance was reduced. therefore I said that I was not going to pay the balance because it was not accurate. The spokesperson used sarcasm stating that this matter should have been addressed back in 2012. I 've been informed him to that 7 years past that date The Collection would fall off my credit report he argued with me and stated that it will not fall off. I then asked him not to call me and he said that he will call me tomorrow and again the next day.
On XXXX-17 I sent Equifax a letter disputing information being reported inaccurately to my credit report. They reported that their investigation was complete, but refused to make most of the requested corrections. Please see the attachments for the documents I sent to Equifax with supporting evidence.
I submitted a letter of dispute requesting validation that I have ( or ever had ) a contractual obligation to SYNCB/CARE CREDIT based on a derogatory account on my credit reports. The certified letter was received and I never got a response from SYNCB/CARE CREDIT or an acknowledgment of the dispute on my credit reports. This was in XX/XX/XXXX. The certified receipt was not signed but was printed with the name " XXXX XXXX ''. I have recently sent another letter to SYNCB/CARE CREDIT in XX/XX/XXXX ( going on more than two weeks ) to the same following address as listed on my credit reports : SYNCB/CARE CREDIT XXXX XXXX XXXX XXXX FL XXXX This most recent dispute letter ( that was sent to the same address as the first dispute letter ) has not  been signed by by anyone and is taking several weeks to get a conformation that the letter has been received or to respond to my dispute. It appears they are avoiding my attempts to validate or remove this incorrect information off of my credit reports.
PNC bank debited my home equity account and did not pay off the other loan. 
It 's been a month now and I am stuck paying interest on XXXX {$25000.00} Home equity loans. 
They still have not paid the XXXX the amount they stated they would pay in XXXX this year. They insisted they paid but would not provide me with a receipt of payment. There are emails where I asked for proof of payment and did not ever receive a reply. Also recorded phone call by PNC bank. 
They also refuse to credit me for the months worth of interest I paid last month.
I submitted a request for investigation to Equifax over 1 year ago and have never received a response. The account is XXXX XXXX and it listed as a charge off. In the remarks block it says " Consumer disputes-reinvestigation in progress. It has said this for over 1 year. They never deleted the item or provided me with the results of the investigation.
I had US Bank account ( opened in XXXX AZ ) but no online access to this account. 
Later I moved to XXXX TX during mid ofXX/XX/XXXX. On or abouXX/XX/XXXX Without any warning US Bank deducted {$8.00} from my bank account for monthly maintenance fees most probably for keeping balance less than {$1500.00} per month. I will say - in their response they will say that at the time of opening of this account -it was mentioned in the fine prints. But don't you think that they should have at least send a communication about non compliance rather than directly deducting the fees? 
Moreover I don't have the online access for this bank account so I couldn't figure out anything. 

Made the complaint to CFPB ( XXXX ) and usual response from US Bank that read our fine prints etc ... 
US Bank retaliated against me by further. I simply wanted to close my account and mentioned this in my complaint to CFPB also. 
Rather than helping me this bank caused further damage. I tried to withdraw my balance ( which i thought it should be there ) Not only they dishonored my check - it resulted into check return fees of {$7.00} into my XXXX XXXX  account. 

I never had overdraft protection on this account so why this bank keep on charging me {$36.00} overdraft protection fees? 

On XX/XX/ opened another CFPB complaint ( XXXX ) OnXX/XX/XXXX opened another CFPB complaint ( XXXX ) Please refer to the current letter from US Bank. They just keep on adding their charges. 
I can't pay any of this. At the same time - it's none of my mistake - so I don't want any remarks on my credit file which impact me in the long run.
Hello, I was recently on an XXXX XXXX flight back from XXXX ( DC ) to XXXX ( XXXX ) on XX/XX/XXXX. I was presented with a promotional offer for an XXXX XXXX XXXX XXXX XXXX card. The flight attendant first mentioned the promotional terms verbally ; she listed off all the advantages, one of which was an introductory 0 % APR for 12 months. They they handed out promotional flyers with those terms on them as well, the introductory 0 % APR for 12 months was also included on this too. 

So, I filled out the form and applied for the card. Once approved, I then immediately called in to set up the recurring payments and confirm by bonus miles ( I am not sure of the exact date but it was a few weeks after my flight, it was the date that I set up auto draft so should be easy to locate ). The agent set up the recurring payments, confirmed my bonus miles usage and even confirmed that my intro APR was not just 12 months but 18 instead! I was very happy with that. However, it was not until my recent statement that I saw an interest charge ... .so I called in ( today XX/XX/XXXX ) and the agent told me I only had a 15 month into APR of 0 % but ONLY for balance transfers, not purchases. This was not specified on the promotional material at all or even with the agent I spoke to later when setting up my recurring payments. 

I felt that I was mislead intentionally to take out this card. This is a ver unfair and deceptive practice and XXXX & XXXX should be held accountable.
I attempted to freeze my credit with Transunion. Due to misleading information on their website, I ended up signing up for a subscription to their credit protection service. I cancelled as soon as I realized that I was paying for a monthly subscription to a service rather than the credit freeze I thought I was paying for. I chose the cancel reason of I did not know what I was signing up for. They did not refund my payment. It appears that Transunion is trying to make a profit off of people concerned about the XXXX security breech.
FOR THE RECORD, I HAVE DOCUMENTS TO BACK UP ALL OF THIS INFORMATION! 

I opened a brand new checking account with Chase on XX/XX/2018 at XXXX XXXX. I chose Chase for two reasons ; One, I didn't have a checking account anywhere else and I needed somewhere to direct deposit my paychecks into. Two, I repeatedly got these incentive postcards from Chase that there was a {$300.00} bonus when you opened a BRAND NEW CHECKING ACCOUNT and WHEN YOU SET UP DIRECT DEPOSIT WITHIN TEN BUSINESS DAYS. Check and Check. I set up direct deposit with my employer the following Tuesday after opening this account, XX/XX/2018. Fast forward to why I'm complaining and its because I contacted customer service inquiring about when I would have the {$300.00} bonus deposited into my account. I contacted them XX/XX/2018 @ XXXX XXXX. It wasn't until my surprise that this customer service rep informed me, and I quote, " your account has been placed under review, We recommend that you contact our Security Team at XXXX for immediate help. '' XXXX, thanks for the heads up. 

Why wasn't I informed of this until I was the one inquiring about funds that I was owed? And then today XX/XX/2018 I get a notice in the mail from Chase stating, and i Quote, " After careful consideration, we have determined that we can no longer support your banking account and will be closing it on XX/XX/2018. '' Chase closed my account WITH ZERO NOTICE.

This notice was dated XX/XX/2018 giving time sensitive specific actions that I would need to make in order to make sure I dont lose any of my money. However, I didnt receive this in the mail until today, 10 TEN DAYS after the notice was typed up. Which btw is waaaaay past the cutoff date they gave me to square my funds away. Im filing a complaint with CFPB. 

I guarantee its cuz they wan na avoid paying the {$300.00}. 

Also, is this not a coincidence that the EXACT DATE I IN FACT SET UP MY DIRECT DEPOSIT XX/XX/2018 WAS THE EXACT DATE THIS NOTICE WAS TYPED ON! 

{$300.00} is a HUUUUUUUUUUUUUUUUGE deal for me and my family. I'm a mother of two, barely scraping by so I factored this AGREED UPON {$300.00} bonus into my budget. I'll spare you the details, but now that my account is closed ( for no good reason ) i.e, Chase wants to escape from holding up their end of the deal, my family is now in a very bad situation. 

Please, please, check your conscience the next time you pull a fast one on  easy prey.
I talk to Barclay card on XX/XX/2017 to try to active my credit card and they told me that my ss # do not Mach with the information that I give them ( but they send me the card ) because I do not fell secure on this credit card I want to cancel, but know they want to get this documentation from me to be able to cancelled, my ss #, my drive licence, an a house bills. 
I call them and I find out that they are not in the United stated, and I do not want to send this information out of here, but they charging me {$99.00} dollars without using the card I get involve to this card XXXX XXXX XXXX card and this is manage by Barclay card
I noticed a collection on my credit report from Commonwealth financial. I do n't know where this came from. They never contacted me or anything. they just reported this error on my credit. I have been writing them for XXXX months asking them to validate the account. They wo n't respond yet they keep reporting this on my credit. This is wrong
Wells Fargo home Mortgage submitted a 1099-A without also filing or submitting a 1099-C to the owner of XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX regarding the payments she made. The 1099-A Wells Fargo Home Mortgage submitted indicated a loss of {$140000.00}, approximately {$20000.00} less than the deed to the property and likely as stated because the property structure was this amount, however, being the same {$140000.00} XXXX XXXX XXXX paid in mortgage payments. The for consideration amount was $ XXXX. Also, being the same amount inclusive of the land that XXXX XXXX XXXX paid for separately. This has been submitted to the IRS and was further addressed with Wells Fargo with indication that this matter is being worked on by the Internal Revenue Service. The property and structure known as XXXX XXXX XXXX XXXX, VA XXXX is satisfied. There are no other known contracts of record for any other subcontractor, etc. and all other expenses were paid upfront by XXXX XXXX XXXX.
I have an extended fraud alert on my equifax credit profile. There are two fraudulent inquiries listed on my credit profile that I did not authorize. XXXX and XXXX. I am requesting that these fraudulent inquiries be removed from my credit profile ASAP within 4 days of receiving this complaint. I have filed a ID theft affidavit and I am contacted my attorney if not removed I will file a lawsuit against equifax due to their security breach!
Here is an idea. Let me know what you think I, XXXX XXXX, feel that I am an aggrieved party in this action. Navient has committed multiple acts against me that I believe have injured me and my student loan situation. I am one of the many Navient clients that has been steered into forbearance to my detriment. I believe I was not given sufficient information by Navient to properly decide if this action was in my best interests. This forbearance has added a substantial amount of interest to my loan, therefore ultimately extending the time required to pay off my loan. This process took place between XXXX and increased my loan interest by {$8000.00}. I am paying this increased interest on top of interest to this present day. 

I also believe that Navient purposely misled and deceived me by providing me with unclear information concerning the Income Based-repayment plan that they wanted me to sign up for. The information provided was not clear as to the important dates and deadlines that needed to be followed in order to qualify for this specific plan. I was also denied the relevant information as to the specific dates for program renewal and the length of time it would take for Navient to process my application. The application processing timeframes were necessary for me to have, as Navient knew and failed to disclose that while my approval was pending I would potentially lose the opportunity for the extended repayment plan. Furthermore, because of the waiting period to be approved, my loan payment would increase dramatically between 3x-4x per month. It was at this point where my loan would become due, that Navient steered me into forbearance, adding even more interest unto my loan. Navient knew the process, the timeframes and the consequences, but failed to disclose any of this to me in order to allow me to make an informed decision. 

The representative that serviced me attempted to steer me into forbearance a second time. During the time I was applying for the extended repayment plan, she mentioned that I could not apply for another plan until my income-based repayment plan had ended. Only at that point could I be approved for another plan and that I should wait a month after my plan had ended, enter into forbearance until the beginning of the next calendar year, and then begin that program. I would again continue to pay interest while waiting to get into another program. I was given no information or counsel that said I had any other options. I asked for and did not receive anything in writing concerning my options. She stated that forbearance was the only way to bridge the gap from one program to another. If I had options, I was not made aware of them. 

XXXX XXXX
XXXX XXXX XXXX is reporting that I have two collection accounts with them on my credit report. I initiated a dispute through the 3 credit bureaus on XXXX XXXX, 2017. All of them came back saying XXXX XXXX XXXX verified account. I wrote and faxed a letter directly to XXXX XXXX XXXX asking them to send me proof and verification that I owe this debt and in the amount of which I owe this debt and the information from the original creditor. The mailed back a screenshot of their computer screen which has a name similar to but does not match my name at all and that does not match my address. In addition to I asked for verification that they are allowed to collect on debt in the state of Alabama, which I checked their licensing and they are not. Furthermore, on that screenshot they list XXXX XXXX account yet they have two accounts on my credit report, one for the cable service and another for the cable equipment but they were linked to XXXX XXXX XXXX  account. I sent another letter after they sent this information with my identification and proof of address and asking that they remove the information from my credit report, as per the FCRA inaccurate information can not be reported and the name and address and phone numbers are in fact inaccurate. This has caused me much stress. Please assist if possible
Was charged a late fee of nearly {$40.00} on two occasions erroneously. The statements indicate that a late fee will be assessed if the payment is not received by the XX/XX/XXXX and in both cases the payments were postmarked by XX/XX/XXXX. I attempted to contact the servicer to find out their payment processing times in that I feel there was ample time for them to have received the payment, but do not believe that the payments were posted the same day as received. No one at the company was willing to discuss nor do anything to resolve the matter. 
I would opt to pay online but there is a fee to do so after XX/XX/XXXX. I pay my mortgage timely every month and do n't feel it is right to be charged {$80.00} in fees because they choose to sit on the payments for several days after receiving them.
Called and spoke to a representative on XXXX/XXXX/XXXX and expressed how I was a victim of XXXX XXXX. I inquired about a goodwill credit that they were offering and I qualified for {$100.00} that would not be required to be paid back. The representative also said that he would refund some of my interest charges as well which would take XXXX hours to reflect on my account, but the goodwill credit would show up within an hour. I am always aware of my available balance and once both credits hit my account my available balance brought my account balance to {$360.00} which included my payment I had just previously made. My limit is {$500.00}. Today I check my account to see that my balance was {$570.00} which would put me over the limit. I was told by a representative that I continued to use my card after the available balance was gone which is false. I charges go through immediately and my available balance is updated immediately after my card is used. There is no way that any charged could have gone through after that available balance was at XXXX it would have automatically denied. All of those transactions were done in person and would have declined. I have closed my credit card account effective today due to the customer service reps including a supervisor that basically told me they could do nothing about what I was told by a previous representative or what took place on my account. This is very frustrating and was the last thing I wanted to worry about after a disaster such as XXXX XXXX. I am also considering closing my bank account with Capital One due to this error. I have been a customer of Capital One for a while and am very disappointed that I am even having to make a complaint. But no one wants to take responsibility for this mistake on their part.
For the past two years I have been unable to pay my mortgage within the first two weeks of the month. Bank of America personnel in the bank branches and at their XXXX customer contact phone numbers have told me when paying in the last few days of the month to avoid a 30 day late payment, I must pay over the phone. They charge up to {$20.00} per payment to pay over the phone with a debit card. This charge is in addition to a late charge. I feel the bank should post the payments made in their branches immediately instead of forcing me to pay the extra fee each month by phone to avoid a late posting of my payment.
This is my fifth dispute with Experian with XXXX account : XXXX On XX/XX/XXXX Experian sent me credit report number XXXX Experian States on the XXXX Account Date opened : XX/XX/XXXX/ First reported XX/XX/XXXX, / Terms 1 month, / High Balance ; Not reported, / Original amount : Not Reported./ Recent Balance : Not Reported, / Comment : Account paid In Full for Less than full balance. This item was updated from our processing of your dispute In XX/XX/XXXXDate of status XX/XX/XXXX.

Now lets get to my Facts, First, I want Proof that I made any such payment. I want to see a cashed check, Or any method of such payment you claim I made on XX/XX/XXXX. I want my name on check, my signature and date. I want XXXX, to also show such Proof of ANY payment I made in XX/XX/XXXX.

The Fact IS : I have XXXX XXXX Statement that shows NO such payment to XXXX  or any one. I can provide PROOF for XX/XX/XXXXand XX/XX/XXXX XXXX XXXX Statements that no payment was ever made. Not even Less tahn The full balance.

Fact, This is a Flat out Lie and Fabrication from XXXX and Experian.

Fact, Payment was madein Full and account was closed.

Fact, Experian Has broken the LAW.

Fact, Experian Has not Verified this XXXX account and Failed to Provide Proof after many disputed requesting to show proof.