WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX XXXX, I applied for forbearance on my student loans, which are serviced by XXXX XXXX. This deferment was for only THREE WEEKS ... from mid-XXXX to early-XXXX. This was done to postpone payment while my monthly payment amount was being recalculated. No payment was made in XXXX, but the account is still in good standing due to the forbearance. I then made a payment for XXXX ( after the recalculation ) on XXXX XXXX ( before the forbearance even ended ). 

Prior to this forbearance, in XXXX XXXX, my credit score was XXXX with Trans Union as reported by XXXX XXXX. The score was XXXX with Trans Union as reported by XXXX XXXX. On XXXX XXXX, XXXX I received emails from both XXXX XXXX and XXXX XXXX about my latest credit score. I get these emails frequently. However, I checked both XXXX XXXX and XXXX XXXX, and both had my Trans Union credit score as XXXXOVER 40 point drop in less than a month. This is a MAJOR drop. Nothing has changed in terms of credit card debt usage, debt, late payments, collections, public record, etc. Nothing has occurred that would warrant a drop of over 40 points. To put this into perspective, some bankruptcies will cause a score to drop by as little as 100 points. See attached, labeled documents. XXXX XXXX indicated that a change had occurred because TransUnion reported a more than 10 point drop in score. 

Since both XXXX XXXX and XXXX XXXX are free, I immediately questioned the accuracy. I therefore purchased my TransUnion credit report directly from TransUnion, order # XXXX ( screen shot attached ). The actual TransUnion report verified the information provided by XXXX XXXX and XXXX XXXX : my credit score had dropped to XXXX. Again there is no logical reason for such a dramatic score decrease other than the student loan forbearance. 
I phoned TransUnion and spoke to a customer service member. I asked her why my score dropped over 40 points, and she would not even verify that the score did drop. She would also not tell me any reasons, other than generic reasons like credit card usage, late payments, etc. TRANSUNION CUSTOMER SERVICE PROVIDED ABSOLUTELY NO REASON FOR THE DRAMATIC SCORE DROP. 

Most would come to the same conclusion : TransUnion dropped my credit score due to my 3 week student loan forbearance. The timing coincides with the forbearance and other factors have not changed. 

As a result of this TransUnion decision my credit has gone from an " excellent '' rating to a " good '' rating. This lower score impacts my ability to get a loan and causes me to pay more interest.
On XX/XX/2018, I attempted to purchase tickets for a football game over the internet. I contacted the seller, agreed on a total of XXXX USD, and was told to use XXXX to transfer the amount to them, after which they would send me the tickets via email. After confirmation was sent to the seller, I received no further contact from them. I felt comfortable using XXXX because my bank, PNC, uses the company for money transfers. After disputing the transaction with my bank and XXXX, sending screenshots of the text message conversation with the seller and other applicable information, I received a letter in the mail stating the following : " You contacted us recently to dispute a person-to-person payment to/from your account ending in XXXX in the amount of {$720.00}. Based on our investigation, the transfer was valid and processed as instructed. As a result, your dispute was denied. You have the right to request the documentation we relied on in making our decision. '' While I understand that I initiated the transaction, I was not aware that XXXX provided zero protection for consumers using their product, or that I was being scammed through their app.
Suntrust Bank advertised a bank account opening promotion XX/XX/XXXX. I opened an account under that promotion and after I thought I have completed all the requirements, I sent a secured message on XX/XX/XXXX to customer service asking for a review of the Promotion Bonus and seek confirmation whether I hit all the requirements to receive the {$200.00} signup bonus. On the same day, a rep replied to my email and stated that I am eligible for the Promotion Bonus and should expect to see {$200.00} within 8 weeks. On XX/XX/XXXX, I checked my account and sent another email to customer service for a status on the promotion bonus. A new rep responded, apologized for the response provided by the previous team mate, and her review concluded that did not qualify for the promotion bonus. XXXX additional emails and XXXX phone call later to appeal and request further review as I was relying on wrong info provided by the rep on XX/XX/XXXX, a new bank representative called me on XX/XX/XXXX to convince me there were no errors on the bank 's part based on her review and interpretation of the secured messages. She stated that because the XX/XX/XXXX rep did not directly answer my question whether I qualified for the bonus, her conclusion was Suntrust did not make an error in representing that I qualified for the bonus on XX/XX/XXXX. Furthermore, based on her interpretation of the secured message, the XX/XX/XXXX rep was merely provide a general comment ( not a response to my inquiry ) that if I meet all the listed requirements, I will receive the bonus. Now that the time window to complete the requirements are over, I am no longer eligible for any bonus no matter what. 
I feel wronged by Suntrust and its customer service representative. I asked a specific question on XX/XX/XXXX to confirm qualification and seek guidance from Suntrust to ensure I met all the requirements and complex terms and conditions of the {$200.00} account opening promotion. I trust Suntrust to review my account and provide a yes/no response and provide assistance to help me meet the qualifications if it was a no response. Instead, Suntrust interpreted the XX/XX/XXXX rep 's guidance to me differently to purposely deny the promotion bonus. There was no recognition that the XX/XX/XXXX failed to provide a proper answer to my question and possibly mislead that I qualified for the promotion. Suntrust has no intention to pay the promotion bonus that was advertised and took measures to prevent customers from meeting the qualifications to engage in deceptive business practices.
Hope this will get the attention that is need because of the abuse The department is Equifax The office of Consumer Affairs. I Will provided the name of the people this complain get to do an investigation This list of issues with Equifax The Office Of Consumer Affairs that unfortunate has make my life a living I feel XXXX if the can get away with what they are doing then we really have a bigger problem. My hope is for this complain will find his way to the authorities who can only address the problem until I will not stop until this get accomplish. Some how my file lander on their hands by system mix file or manually my file was change with incorrect information I was told that my credit report with Equifax was not a right but a privilege and that privilege have been taken away for to use. As such they block my report or reporting credit scores. Because of someone without proper juristic ion feels that they say is what is going to be something is right 1.  Incorrect information on my report ( wrong address, fraud, incorrectly My identity was compromise fraudulent account place on my file permanently creating new issues base on the fact that they did follow as appropriate to prevent what follow 2 It has been 3 months now and nothing have been done i did as much as I could begging then to do something and no one cares Problem with a credit reporting company 's investigation without they having any idea why they made an error they mix my file know what is that are doing what is doing more problem to existing problem which as long as they do not remove information that does not belong to me They place a second Social Security Number on my file when I told that is not mine I prove that it was not with plenty of identification I did nothing Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit monitoring or identity theft protection services Problem with fraud alerts or security freezes trouble placing or extending with a without allow me to have my telephone so that creditor will call me to confirm if I was the one opening an account They denied for me to put a freeze, what they did denied access completely They place wrong address, fraud, incorrectly shows accounts were open fraudulent Problem with a credit reporting company 's investigation into an existing problem All account activities on file is gone What? how? Information belongs to someone else ( identity theft, fraud, error ) Information is missing that should be on the report My employment history was remove gone Account information incorrect ( loan balance, payment amount ) Account status incorrect ( showing open account as closed, showing delinquent account when it 's not ) Personal information incorrect ( they have added new names no mine but they think is mine How? no prove but they reporting it regardless Public record information inaccurate ( bankruptcy, judgment, liens, criminal record )
In XX/XX/2018 I've been trying to work out an arrangement with XXXX XXXX, Ideal Image and I have kept up my end of the agreement. I have been making payments as discussed in XXXX and moving forward, the problem that I'm having is that they are still charging me late fees of {$37.00} every month even after I have been making my payments and reporting it to my credit report that I'm late, as per the arrangements I've been making my part. So now i need to know what are we going to do to make this correct? I was also told that my account would be fixed after making the necessary payments. I'm just trying to get my credit back where it needs to be so that I can get back on track and buy a house. I've been trying to work with this particular company and their not really helping me with my credit. Is there any way we can get this resolved so that my credit is not tarnished?
I not to long ago checked my credit reports. All three reports showed there were several missed payments. This is incorrect and inaccurate. My XXXX XXXX Card has never been paid late. I have tried to get this issue resolved but have not been able to get any assistance from the representatives. No one has been able to explain to me how errors of this magnitude were able to placed on my reports. It seems they are not willing to help in any way. This issue has been very stressful and is causing me to not be able to get new credit. Not only that, but also preventing me from being able to get approved for a higher credit limit. I have been stagnated with a {$300.00} credit limit even though I have made all of my payments on time. Yet I receive several offers from XXXX XXXX for a Auto Loan of upwards of {$5000.00}. This is an error on the part of XXXX XXXX or the Credit Reporting Bureaus. I would like this issue to be resolved and deleted from my reports. So that I can continue on with my life.
Equifax is updating tradelines/accounts within my credit report. I believe the changes are impacting my scores, and are done without merit. 

1. Equifax please provide any supporting documentation, that states that I have disputed accounts, where this statement has been added to my trade lines. 
2. Delete the verbiage that says " Consumer disputes this account information ''
On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX.

Bank of America called me on XX/XX/XXXX. Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment of XXXX to close the loan. It has 149 days and counting And still I can not prove I own the home I live in.
Discover Financial has included on my credit report an account that I have no responsibility for. They have refused to remedy the problem despite repeated requests to do so. This has caused my credit score to drop around XXXX points which has caused me to have XXXX bank loans refused, causing me a loss of business as well as other financial distress.
For 2 years I was on the income based driven plan with navient, paying about XXXX a month. When I first started paying back my loans, they did not take into consideration my other private student loans ( approx XXXX dollars in other loans ). I called about 6 months ago to ask them about a question on my account, the representative told me to " consolidate my loans '' that I had with navient because I had a few loans with them. They completely failed to inform me that I would loose my 2 years that I already completed, towards the 10 I was working towards to get my loans forgiven because I work for a non profit. My initial question in the first place was what paper work do I need for getting my loans forgiven due to my non profit status. If the consumer is not under the income based repayment plan, you do n't qualify to get loans forgiven. I have since had to start completely over after finding this information out and change back over to the income based plan. I lost 2 years, approx. XXXX because of the advice this navient representative gave me. And they wo n't reconsider, even though I went back on an income based plan within 2-3 months after finding out after calling them about another question I had. I am a XXXX, I am drowning in student debt, and it 's insane that this company wo n't help me.
Transunion refuses to comply with the FCRA and has not blocked the reporting of a fraudulently opened account. Both XXXX and XXXX have removed this account and have complied with FCRA 605B ( 15 U.S.C. 1681c-2 ). Transunion has ignored letters i have sent along with proof  of address and signatures showing that this account is not mine. The account reporting on my credit file by XXXX XXXX XXXX is a fraudulently opened account and as per the FCRA must be blocked from reporting on my file. I have included a copy of the correspondence sent to Transunion as well as the FTC Identity theft form as well.
This Collection Company XXXX XXXX XXXX, Purchase this account from XXXX XXXX for a Fraudulent debt of {$380.00}. XXXX XXXX closed the account 5 yrs ago when we found out it was a Open Fraudulent account. I was living abroad on a mission in the bush XXXX XXXX in villages. It was deleted from my credit file 4 times. and comes and goes over the years. XXXX XXXX XXXX has refused my letters and calls, I do not owe this debt. It was found fraudulent over 5 yrs ago. I am very disappointed how I have been handled and the Legal morals of XXXX XXXX and XXXX XXXX. XXXX XXXX also changed the dates of the debt to XXXX 2017 that is Illegal. I want this Identity theft account removed from my report. I also have written the credit burials over 4 times and know help. I should never be punished for Identity theft it has been years of repairing my life.
My family members and I have had a terrible experience with this company. This company has proven that it does not care about its customers. Since it is obvious that I am not going to get any assistance from this company I am writing this in every place that I can think of to help other consumers avoid the mistake that my family made. There are similar companies like XXXX XXXX that will offer you the same services but with a much better outcome. 

My mother sent me a money gram and it was impossible to pick it up. She went to the store and told me that I needed to pick it up within 90 days and that I should pick it up yesterday. At the store she sent it at, they told her that it would not be a problem for me to pick it up yesterday and even if it was after 90 days I could just call MoneyGram and they would assist me with picking it up at whatever time I needed it. 

On yesterday, I went to CVS to pick the money up. I used the kiosk and spoke to a money gram customer service agent ; he was rude and so were all of the other agents I spoke with. Furthermore, he purposely took down my license number incorrectly. He repeated the things that I said so I know that I gave him the right license number. He told me that I would be able to receive the money and to pick it up from the CVS cashier. The CVS cashier told me that I could not receive the money because there was a block on the money and because my license number was written down wrong. So I went back to the kiosk to call the money gram customer service officials again and the individuals kept hanging up. This kept going on for over XXXX hours. I would call, they would hang up immediately, put me on hold, transfer me, give me the wrong information, yell at the CVS store clerk and blame the problem on him, and/or eventually hang up with no assistance to me. There was XXXX guy who was exceptionally rude and he refused to give me his name. He constantly kept hanging up on me. I think his behavior is extremely unprofessional and he should be fired. Basically, I spent hours trying to reach customer service agents and they refused to assist me. The store clerk was there to witness this. I was in a store alone until XXXX and I had to walk back to my apartment by myself ; my elderly XXXX mother who is in a different time zone was up until XXXX in the morning worried about everything. 

I know that this was very unprofessional and just plain rude and they just did not want to release the money. I think that this is unacceptable and something should be done about this. MoneyGram it would be very considerate of you if you realize that your consumers are human and you treat them as such. Furthermore, consumers please be wary of this company.
someone has been using my identity ssn since 2011 til present and there has been XXXX or more inquiries on my credit was hit hard and also XXXX school I do n't owe anything to them I would like that removed cause its showing that I owe when I dont owe XXXX any money its zero I would like the all the inquiries since 2011 off my records immediatelyXXXX XXXX XXXX
Hard inquiries dated : XX/XX/XXXX : XXXX/ XXXX I spoke to them several months ago & requested deletion as such AND IT STILL APPEARS ON CREDIT REPORT. 

XX/XX/XXXX AND XX/XX/XXXX : XXXX XXXX XXXX XXXX I DID NOT APPLY NOR AUTHORIZE THIS INQUIRY XXXX : BANK OF AMERICA I DID NOT APPLY NOR AUTHORIZE SUCH INQUIRY XX/XX/XXXX : XXXX/XXXX   I DID NOT AUTHORIZE SUCH INQUIRY
My Bank of America checking and savings accounts are connected so that I can avoid overdraft charges. However, the bank has transferred funds from my savings account and charged me a {$12.00} transfer fee when I was not in danger of overdrawing my account. For example I had {$34.00} in my checking account, on the XXXX of each month, I have {$25.00} transferred to my savings account. After that transfer, I would have had positive balance of {$9.00} left in the checking account, but Bank of America transferred {$21.00} and then charged me {$12.00} for the transfer. It seems Bank of America is determined to find some way to access fees from my accounts. This is the second time Bank of America has done this.
Me and my wife have a auto loan through Consumer Portfolio Services of XXXX CA and they are being rude to us claiming a payment that we asked to be made did not go through but our bank shows the payment never attempted to go through and it was never presented to the bank. 
We also have complaints against CPS for not allowing us to speak to a manager, numerous calls and texts to our cell phones when we never gave them permission to text us. 
Our bank shows the payment never was presented to them, we have not been charged any fees and the money intended to make this payment still remains. 
They are trying to charge us fees for a payment they never presented to the bank and refuse to take a payment unless we pay these fees.
Bank of America added between {$30000.00} to {$40000.00} to my mortgage back in 2011. They claim I did a modification but yet never signed or agreed to anything. The time they are claiming I did this I was working XXXX in XXXX. When asked for documentation proof they had none. Now my family and I are harassed every month. We are sent a package every month from Bank of America with paperwork dated 2011 to sign for a loan modification. Then a few days later they send someone to our house even on Sundays they come by. They take pictures of our house and sometimes are vehicles. I never sign anything especially since it was not something I agreed to. I have also had to block their number from calling since they call consistently. They normally demand I send money to them for the modification but the last package offered me {$500.00} to sign. They owe me at least {$30000.00} not including finance charges for what they added. I owe much more now on my principal than what was financed. This can not be legal.
Transworld Systems has called me repeatedly attempting to collect a questionable medical debt from a provider dating back to XX/XX/2014. Recently, they began calling my daughter on her cell phone attempting to collect the debt. 
I have never received any documentation establishing the validity of the debt from either the provider or Transworld. I contacted Transworld today and spoke to an agent, XXXX XXXX, demanding that Transworld immediately cease and desist from calling my daughter or any other family member, and requesting detailed documentation that established the validity of the debt.
This is the second time I have requested a reduction in payment from Great Lakes and received a notice 2 months later that my payment was over {$100.00} more than when I submitted. It turned out the first time XX/XX/XXXX they lost my paperwork. I had to reapply, all the time the interest continues to build.I am having this problem with Great Lakes again. I contacted them very upset. The agent took my information, saw my application sitting in the system and did something to cue it. Again, interest still adding up. I received a phone call from someone who identified themselves from Great Lakes who offered me a year payment of {$1400.00} per month which was lower than the {$1500.00} I was paying. This was a major expense and many times left me without money to pay utility bills and buy food. In XXXX, XXXX my husband had a XXXX XXXX. His company outsourced their tech services and the technicians were picked up but at a cut of {$10000.00} less in their salaries. I contacted Great Lakes again in XX/XX/XXXX as I was not able to make the payment. The agent asked me if I thought of submitting a reduction in payment application or whatever it is called and I told her that I did that last year, but the effort and annoyance only yielded me {$100.00} less, barely. She gave me an estimate over the phone based on the information I could provide which was significantly lower than what I was currently being asked to pay. I had the paperwork of everything she used to get the estimate, so my numbers were accurate. Again, I submitted my information and on this past Friday received notice from Great Lakes that on XX/XX/XXXX my payment would be {$1500.00}. I sincerely believe Great Lakes is intentionally causing significant interest accumiliations on my student loan account. As it is, my account has swelled significantly since dealing with them. I am so disgusted with them. No company can be this inept and continue to operate millions of dollars. How much has their inability to process my request cost me, twice over, in interest costs. The fact that I have another student loan separate from this one allows me to receive a reduction. I am not even able to complete my doctoral work because I have taken my all of my classes less 1 credit which I need when I defend my research findings and need to finish my dissertation but the student loan system does not allow a stop on your loan if you don't take two courses. Now XXXX College is requiring you to be enrolled to defend your proposal and I can't afford with my student loan payments. 

I hope CFPB can help me to acquire doable solution.