WillisBack/dataset-financial-user-claim huggingface dataset:
As of XX/XX/XXXX XXXX reporting agency reduce my score XXXX points and the only thing that has change on my credit history recently is that I paid off a credit card. When I asked them my why reduced my score they told me they can not give credit advise. They were also still reporting a collection from my past that should had been removed. I have sent them a copy from the circuit court in XXXX XXXX County, IL stating that the collection has been dismissed as of XX/XX/XXXX but Equifax is the only reporting agency that refuses to remove it from my account.
Earlier this month, I received notification from my credit monitoring service that my credit report had changed. Knowing that I had n't filed for any new credit, I was immediately concerned about this. I checked my notifications only to see a account late notice on my report for a debt. I have no idea what this late notice corresponds to and I am not behind in my bills. I have not received an notification from the company regarding this alleged debt that I owe. My scores have dropped over XXXXpts, to XXXX, due to this alleged debt. This is utterly unacceptable!
Hello im filing a complaint because i pulled up my credit report on equifax i see a account that is open with XXXX XXXX XXXX account number ending XXXX and this account was closed XX/XX/XXXX of last year and its paid in full on XX/XX/XXXX and its still shows that i owe them XXXX dollars and its hasnt been updated by equifax. And my credit score was dropped to XXXX due to 14 inquires that wasnt mine and one address that didnt belong to me in cypress texas XXXX XXXX XXXX  Balance XXXX this account is closed not open and its paid in full im asking equifax to send me a updated credit report and score
XXXX told me they where running a soft credit report for me get a phone plan with them because they do not have contract accounts and its reported on my credit report as a hard credit inquiry instead of a soft credit inquiry like XXXX stated to me
Pioneer Credit Recovery has been calling me to my house, to my private cellphone and even my husband several times every day trying to get information about me, but about 3 weeks ago they started calling MY JOB. On XX/XX/XXXX after they called my workplace and were very rude to the receptionist, I returned the call to XXXX under reference # XXXX and asked him to record the conversation ( which he said he did ) and I explained that I am NOT allowed to receive personal calls at work and by calling my workplace he was JEOPARDIZING MY EMPLOYMENT and after that notice if they continued to do this they would be in violation of FDCPA ( Fair Debt Collection Practices Act ). XXXX assured me that they would not be calling my job anymore, he noted the account and removed the number according to him. I was the out of the office for the week of XX/XX/XXXX through XX/XX/XXXX. Upon my return, I was advised that now XXXX under reference # XXXX ( Pioneer Credit Recoverys Ref # ) and call back # XXXX XXXX XXXX.. has been called my workplace EVERY DAY that week asking for the office manager to verify my employment but she wouldnt say where she is calling from, why she needs this information or under what legal basis she is requesting my employment information. I need these harassing calls to stop. Pioneer Credit Recovery is not only harassing me but also my employer and they are putting my employment at risk by doing so. Your prompt help with this matter will be greatly appreciated!
Set up a new insurance policy and paid the entire premium in full ( effective XX/XX/XXXX thru XX/XX/XXXX ). Advised the mortgage company ( Wells Fargo ) of this and they contacted the insurance company ( XXXX XXXX ) to verify receipt of payment in full. 
Requested escrow analysis to lower payment and was advised that they " still will collect funds for these future payments. '' I responded that this was absurd and I would not be paying double on an insurance policy and that my payment needed to be adjusted. 
This is not fair and I should not have to pay the mortgage company for insurance that has already been paid to the insurance company.
On XXXX I sent a response to a Collection Agency named Portfolio Recovery Associates LLC who claim that I have a debt of {$970.00} through XXXX XXXX. This Account is not mine and the address associated with this account I have NEVER lived at. I have asked them to provide signed documentation that proves I have contractual obligation to this account and even asked them for a copy of their State Licence and number and they did not provide this. Per the Fair Debt Collection Practices Act they are to provide me with this data to prove that this is my account and they have failed to do so so they must remove this account. The only Proof they have been sending is credit card statements from years ago that dont even have my real address, this is not valid evidence that this is my debt, especially since I never lived at the address on those bills. They sent several letters to me with the same identical packet of information and nothinng new or what I asked them for.
On XX/XX/2018, I received a credit monitoring alert that my XXXX account was removed from my Trans Union credit profile. I contacted Trans Union on XX/XX/2018, and they advised that XXXX  contacted them to tell them to remove the account due to fraud. I requested Trans Union to  send me that correspondence, they advised that I would have to contact XXXX  for that information. 

I then contacted XXXX to let them know. They advised that they had not requested for the account to be removed. 

How can credit bureaus contact other bureaus and delete, add, an or do what they want to do with someone's profile and not even advise the person? I feel that this is a personal attack by XXXX to keep my credit score low by removing positive account information.
For the month of XX/XX/XXXX, my Capital One credit card was due on XX/XX/XXXX. My statement balance was {$280.00}, however, I had a higher balance from recent transactions. I paid {$500.00} from my XXXX on XX/XX/XXXX and it came out of my checking account on XX/XX/XXXX ( see attachment ). Since I paid my entire statement balance, I now have no payment due until XX/XX/XXXX. I am enrolled in text alerts from Capital One for purcahses, payments, etc. At XXXX on XX/XX/XXXX, I received a text saying, " Capital One Alert : Your payment of {$280.00} is scheduled for XX/XX/XXXX. Contact us if your payment details are incorrect. '' I was sleeping at this time, so I know I did not schedule this payment nor did not contact Capital One until XXXX the same day. I was told that yes, a payment had been scheduled via a Mobile device and could not be canceled. I reviewed my payment history and at least since XX/XX/XXXX, I have used XXXX to make my payments to Capital One, but this time, it was scheduled from my husbands XXXX account. Back to school time and a XXXX, my husbands bank account had a very low balance that was not able to cover this {$280.00} payment. My husband called his bank and they said that nothing is pending or posted as of yet and to keep an eye on it. As soon as he sees something come through, he will need to contact the bank so they can flag it and cancel the transaction.
Hello, I am a user on the website Coinbase. About a week about, on the day of XX/XX/XXXX, my account was temporarily disabled without notice or reason. I had a few hundred dollars of currency on there that I can no longer access. After submitting a case, they responded with " we have looked into the problem and are working with a specialist ''. From there, absolute silence.
I repeatedly asked for the reason why my account is disabled, and I 've gotten no answer. There 's no number for me to call nor is there actually any person to chat with. It 's just " submit a case and wait ''.
I have incorrect names and aliases on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX My only correct name should be : XXXX XXXX XXXX XXXX XXXX XXXX
My name is XXXX XXXX. I am very much a XXXX individual and they are now and have been repeated calling my cell phone at all hours of the day looking for " XXXX '' and that " XXXX, you need to call us right away or have your attorney contact us. '' I have had this cell phone number since XX/XX/2006. I do n't know what game they are playing but it needs to stop.
I have had this account open for several years. In late XXXX of 2017, I changed my checking account and updated the new information in XXXX 's system. I believe the exact date was around XX/XX/ that I changed my payment method. 

It was around this time that XXXX changed their servicing system from one platform to another ( and in that time frame also raised their late fee from {$27.00} to {$37.00}, incidentally XXXX. 

My payment which had always been deducted automatically was not processed on XX/XX/XXXX. After XX/XX/, I received a statement showing that my balance was past due, and that I had incurred a large past due charge. I immediately contacted XXXX by phone, and they instructed me to update my payment information over the phone, which I did. 

After XX/XX/, I again received a statement this time showing a payment past due in the amount of {$120.00}, which included the past prior XXXX months, plus late fees and accrued interest. I again immediately contact XXXX, asked to speak to a supervisor, and again updated my payment information. I was assured that my payment would be processed onXX/XX/XXXX and that my account would be caught up. On XX/XX/XXXXXXXX attempted to debit my prior, out of date, checking account, which at this point had been closed for over 2 months. This information should not have been in their system at all. I received a letter detailing this event datedXX/XX/XXXX, that I received aroundXX/XX/XXXX. I again contact XXXX, explained the situation, and a rep mentioned that " the old system must have tried to process my payment '', or something along those lines. 

At this point, aroundXX/XX/XXXX, frustrated, I once again called, was told that my payment was already setup for XX/XX/, correctly and would be debited. After XX/XX/XXXXI checked my account online and found that the payment was not debited. 

At this point I manually made a payment myself via my bank for {$120.00}, which posted to my account on XX/XX/. My regularly scheduled payment, which should have been processed onXX/XX/XXXX, once again did not happen. OnXX/XX/XXXXI once again made a payment online for {$120.00}, bringing my account current. 

Over the course of these months, XXXX repeatedly failed to communicate, and incorrectly attempted to debit either my old checking account, or simply didn't make any attempt to debit any account for the payment that was previously arranged.
Hospital XXXX and doctor care. This been take care by my insurance company therefore they need to stop call me late at night and harass me about this outstanding bill therefore it need to be removed off my credit report immediately and permanent
I received a civil complaint from XXXX XXXX XXXX of XXXX XXXX XXXX seeking money from an account I have no knowledge of. I do not have an account they are speaking of
My credit monitoring subscription notified me that Midwest Recovery Systems had posted collection accounts on my XXXX and XXXX credit bureaus dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 

I have never received notice of this debt from Midwest Recovery Systems nor have I been given the opportunity to dispute this debt before they reported it to the credit bureaus. I had to look up the company on the internet to find their contact information. 

I contacted them on XX/XX/XXXX at XXXX and spoke with a XXXX He informed me that on XX/XX/XXXX, I had taken a loan from a company called XXXX in the amount of {$1400.00} and that that sum was deposited into my bank account. He told me the current sum due is now {$1700.00}. I asked for an account number to which they gave me XXXX. 

I have never heard of XXXX. Looking at my bank statement from XX/XX/XXXX, there are no deposits from anything unfamiliar nor are any of them for the amount of {$1400.00}. I have searched my bank statements from XX/XX/XXXX through current date and there have not been any deposits to my bank account in the amount of {$1400.00}. 

Midwest Recovery Systems is also not registered to collect with the state in which I currently live nor are they registered with the state in which I previously lived.
I am currently a customer with XXXX, upon registering with them XXXX years ago I was made privy to a previously owed amount of {$100.00} which was from my final payment from my previous policy that had been returned due to my own error. Upon signing this policy it made me pay the PREVIOUSLY DUE AMOUNT of {$100.00}. I have talked to CCS ( Credit Collection Services ) for another completely frivolous debt that was insisted upon and that I was forced to pay due to their repeated threats to take legal action. This time, I had a positive experience with their representatives, but can not seem to get this taken care of. I have sent them two separate copies of my policy documents showing the payment of {$100.00} plus my term payment in full, yet they still will not drop it from my credit report. It has come and gone twice so far, and this time I want it gone for good. I am STILL a XXXX  customer, and am actually signing a new term with them this month after making all payments, on-time, consecutively, without issue. This debt was paid. Bottom line.
CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt, Dated this XX/XX/2018.
I opened a checking account on XXXX XXXX, XXXX. The account requires a daily average balance of at least {$10000.00} in order to remain fee free. In addition, I registered for a promotion whereby if I maintained a balance of at least {$10000.00} until the end of XXXX XXXX, I would get a {$350.00} bonus. I made a transfer into the new account of {$10000.00} which posted to the account on XXXX XXXX. As you can imagine, it takes a few days to get online access and to link an external bank account and transfer the funds. I logged into the account a couple months later XXXX XXXX XXXX XXXX to see I had been being charged a {$21.00} account fee for the past several months. I tried to chat with the Webster Bank team via secure messages on their online banking, to no avail. They insist that the first statement period was XXXX XXXX, XXXX - XXXX XXXX, XXXX and since the deposit posted XXXX XXXX, the average daily balance was slightly less than the required {$10000.00}. They will not refund all of the service charges to make me whole. In addition, they are not honoring the bonus which I signed up for even though it is clear I intended and made best efforts to fund the account, as you can see it was funded within a week. I will attached copies of all statements to this complaint.
Navient keeps telling me I have to pay on this loan. All my other student loans are deferred due to my income. I keep telling them I do not have the money to afford this. The only reason they will not defer is because my dad is a cosigner on the loan and he has good income. However, I do not and my dad is not helping pay this. I do not know what to do at this time. Your company calls my phone everyday every hour I have missed calls from them just on today. You all have taken money out of my bank account that I never approved of. Yes you put it back after I called and complained but at this time I am really fed up with   XXXX   XXXX   aka navient. I can not afford to pay on this loan and I do not see why you can not defer it with my other loans. Please advise.
We have a mortgage with M & T Bank for our property located on XXXX XXXX XXXX in XXXX XXXX, California. I send monthly mortgage payments thru online banking with XXXX XXXX XXXX. The XXXX remits payments within the first 3 days of every month. However, M & T Bank keeps sending statements with late charges. I called M & T Bank in XXXX XXXX, and asked about late charge. According to the customer service person, the payment for XXXX, XXXX was late. They give only 10 days grace period. So I sent them the complete payments record for the last 6 months. Non of those payments were late. 
So they remove penalty in XXXX payment, but then added new penalty in XXXX XXXX statement. My wife called M & T Bank and the person on phone XXXX XXXX XXXX said he needs records for the XXXX XXXX and XXXX XXXX payments. Attached you will find copies of those records from the XXXX XXXX XXXX. I already sent these records to M & T Bank by fax, but they have n't removed the penalty yet!
I am 3+ years into a 5-year auto loan with BBVA Compass XXXX Until 3 months ago, I received a monthly " Billing Notice '' showing the coming month 's payments amount, and the breakdown of principal, finance charge and any additional fees/charges. My loan is structured such that the interest and principal fluctuates from month to month. I called the bank today to query why I have not received any Billing Notices since XX/XX/XXXX and was told that I would no longer receive them because I had a " Payment Book ''. However, I have always made payments via a Payment Book, and the bank could not explain why this should now mean that I do not receive Billing Notices. I asked if I could be sent monthly statements, and was told that I could not, although I could contact the bank periodically and request that a statement be mailed to me. I like to know what is the principal component of each month 's payment, so that I can have a better picture of what my balance owing will be in XXXX/XXXX/18 months, especially given the apparently random manner in which the bank determines the principal/interest split each month. 
I have online access to my BBVA account, but again, this does not provide monthly statements. All that I have access to is payment amounts ( total paid and date received ), and the loan payoff balance. There is no information available to me as to principal / interest payments, and the actual principal balance remaining. 
It is my understanding that banks are legally required to provide regular statements, and BBVA is not doing this. I suspect that the reason for this is that the bank has obtained most of its interest payments already, given the that the loan is set up for lower principal / higher interest payments in the early years, and low interest / high principal payments towards the end, and so the bank cares not for providing acceptable levels of service and would prefer at this point that I closed out the loan and took my business elsewhere. 
A further complaint I would like to make is about the lack of disclosure when I took out the loan that there would be such erratic discrepancies each month in the principal payment. I would not have agreed to the loan ( which has an interest rate of 5.6 % ) had I known that I would be paying upwards of 10 % interest in the first 2-3 years, and 3-4 % in the last 1-2 years.
Credit score keeps dropping for no reason. Opened a new XXXX 's credit car and charged {$100.00} of which {$60.00} has been paid. I want to know why it has fallen 100 points when I have nothing derogatory on my report and all charges are paid on time??? Second request with no answer. Transunion had to correct the same situation 2 months ago and now XXXX  has lowered my score. It is a domino effect that snowballs.
I applied to JP Morgan Chase for a loan modification in early XXXX, XXXX. I took my mortgage out in XXXX, and have never missed a payment. In XXXX I had to have two XXXX XXXX That coupled with the fact that my income has substantially dropped ; I am XXXX years old. 

Chase has denied me a loan modification, I appealed their decision but they have not changed it. 

Their reason for the denial is that I have too much assets which have dropped about 10 % since my applying for the modification. Their reasoning for the denial is very discriminatory to senior citizens as they are telling me to use my retirement savings to pay my mortgage and when my savings go down to {$25000.00}, they will then consider a loan modification. This is unacceptable. My income has dropped substantially. Chase was bailed out during the financial crisis with my tax money. They owe me this. Besides this is a violation of the law. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, N. Y. XXXX Tel : XXXX
Student loans from XXXX XXXX XXXX XXXX got sold to ERS ( Enterprise Recovery Systems , Inc earlier this year. When that happened, I had already paid off a large chunk of the loans and ERS attempted to collect on the original amount. I then decided to request debt validation from them several times and sent them XXXX debt validation letters to confirm my payment history and agreement. They have ignored these requests several times and continue to make attempts to collect on the original amount of the loans. Please investigate this matter and send me proper validation. Thank you. 


School : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, New York XXXX | ( XXXX ) XXXX
The following items are not authorized inquiries in which the company does not allow you to dispute the inquires online and when calling your turned away by the rep. the following items are not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX