WillisBack/dataset-financial-user-claim huggingface dataset:
I got my 3 credit bureau report from XXXX which is a service provided by XXXX. When I got my reports on XX/XX/XXXX, my credit scores were as follows : XXXX : XXXX TransUnion : XXXX XXXX : XXXX Later on today XX/XX/XXXX when I obtained my 3 credit bureau report, it showed that my score has dropped significantly, as follows : XXXX : XXXX TransUnion : XXXX XXXX : XXXX There has been no changes to my report between XX/XX/XXXX and XX/XX/XXXX. No inquiries, no new debt, no new accounts, no missed payments etc. So I do not understand what caused this massive score drop. I tried to contact the credit bureaus via phone but they couldn't explain what caused the score drop even when there were no changes to my report and said that they can only file disputes. Since they were not able to provide me with a reason for the score drop, I don't understand what information I needed to dispute. 

The only reason I can think of is that, I disputed a XXXX account with all 3 credit bureaus. Probably, my dispute, changed the charge-off date to show that it happened recently. Probably in the eyes of XXXX it shows that the charge-off just happened and my scores dropped. Apart from this, there is no other reason for such a huge score-drop. If this is the reason, this is a violation of protocol where the bureaus need to report accurate information. They can not change the charge-off date to recent when it had happened over 2 years ago. As mentioned on CFPB website, filing a dispute does not renew the debt neither does it change the date. If it does, this is a huge step back for consumers who wants to file a dispute. I have attached my credit reports from XX/XX/XXXX and XX/XX/XXXX,  which shows all my account details as well as my credit scores. 

If filing a dispute results in a score drop, US citizens are not safe. I am trying to get a home loan, but with this massive score drop, my chances of approval will be very slim and even if I get approved, the mortgage rates will be really high.
XXXX XXXX reports my Equifax score as XXXX. A lending institution pulled my credit score from Equifax and it came back XXXX. XXXX XXXX told me that different institutions use different models to arrive at a score. Equifax does n't have a means for me to ask them about it. This difference is causing me problems. An explanation or resolution would be helpful.
We had a water damage at our home. XXXX XXXX issued us XXXX check and a XXXX check to rebuild the home but put the bank name on the checks. The bank took the check for XXXX because that is the total amount that we owe on the house ( the loan amount is XXXX ) so they held that entire amount of the loan and refused to issue any draws off the total loan amount. The bank would not release the checks to us until the house was XXXX % complete. We put our own money into rebuilding the house, the bank came out and inspected the property and said the house is XXXX % complete. Then the bank would not release the XXXX check and is telling us that we need to endorse the new XXXX check and they need to put that new check also in an escrow account. Popular Mortgage Service of XXXX Ohio is currently holding over XXXX of my insurance funds, of which all repairs are complete, and then the XXXX which I asked them to sign over to us, they also will not allow us to have it and they want to hold that in an escrow account too. Please help.
I have contacted this company by mail numerous times requesting verification of debt or removal from my credit report. They have still not conformed and sent me proof.
On XXXX/XXXX/15 - I attempted to make a mobile check deposit to XXXX from my account at XXXX XXXX. I received an error message and made XXXX additional attempts. XXXX online app indicated none of the deposits were made because their system was having problems, when in fact, all XXXX checks were deposited, XXXX with the same check # - all totaling {$7000.00} ( a deposit of {$3000.00}, XXXX of {$2000.00} and XXXX more for {$2000.00} ). That afternoon - all checks posted to the XXXX account and I immediately called XXXX the next day. XXXX rep was rude, put me on hold, and then informed me that only XXXX of the {$2000.00} deposits would be reversed and it would take 5-7 days. I received a letter dated XXXX/XXXX/15 from XXXX stating that the account was adjusted in the amount of {$2000.00}. The funds were not returned to XXXX - even though past the 5-7 day mark ( XXXX - XXXX ). I called XXXX on XXXX/XXXX/15 - the rep told me the money was 'in limbo ' and that they discovered the mistake ( Wrong - I called them! ) and that I would need to contact XXXX and give them a case number to retrieve the {$.00} XXXX did nothing in error - this is a XXXX issue, and stemmed from their system having performance problems. So now, not only am I out of the use of my {$2000.00} for the past several days, but I have lost interest on those funds and use of those funds to pay a credit card, so there might be interest charges accruing on the credit card I would have otherwise paid with this {$2000.00}. I want to note I have had repeated problems with XXXX.
In XXXX of XXXX, I got divorced from my ex husband. He was awarded our XXXX XXXX XXXX, that XXXX financed through USAA Bank. In XXXX or XXXX of XXXX, a tow ruck appeared at my home, and the driver proceeded to try to repossess my XXXX XXXX XXXX, which was at the time current on the payment and finances through XXXX Bank. I had the police come to the house and they were able to get the report guy to put the car down, explaining that he was trying to take the wrong vehicle, the police had me open my garage, to prove that the XXXX XXXX was not on my property. This was the first I was told that the car was behind on payments. My ex turned the XXXX over to USAA sometime in XXXX. At which point I sent them the divorce decree showing that I was no longer liable as he was awarded it in the divorce. In XXXX of XXXX my ex filed bankruptcy and USAA started once again reporting a charged off car loan on my credit. In XXXX XXXX I ended up paying the car loan to settle for a lesser amount to stop the negative reporting on my credit report. Since I paid them they have continued to report it as a charge off. Multiple times every year.. I have tried contacting USAA regularly to resolve the issue. I keep getting transfered all over the place and no one is able to resolve the issue.. I have been turner down for XXXX banking positions with the excuse that they can not place me in a position of loan origination with this charged off car loan on my credit. I did not get the car repossessed, I did not file bankruptcy, and I paid them to settle the account, even though I was no longer legally liable as that is what USAA said needed to be done for it to be removed. I just went again in the beginning of XXXX to try to refinance my home and am shocked to see that the bank has yet again reported the charge off as of XXXX XXXX XX/XX/XXXX..every time they report this my score drops XXXX point and I can not refinance my home. What is the point of paying rg debt if they are not going to leave my credit alone and are going to continue this harassment, which I thought was illegal. Please send me the name of an attorney in Arizona who can help me.. Thank you XXXX XXXX.
Our mortgage loan has been perpetually 2 months behind for a year while being serviced by XXXX. While obviously not ideal, we have been paying a full month each month. We received notice from XXXX last month that our mortgage has been sold to Carrington mortgage services and this is where our trouble started. It is now XXXX XXXX with no payment info, no mortgage number, no communications from Carrington. So we called to make our payment and the rep refused to take our payment if we didnt pay at least 2 months immediately. Refused to connect us with a supervisor claiming his supervisor was too busy so my husband left a message with no reply. I felt this had to be illegal and so I looked up this company. They are apprently scam artists and I am unclear why they are allowed to continue doing business in America. 
I am not willing to allow some scam company to foreclose on my home because they thought they bought a mortgage ready to be foreclosed on. 
The rep claims our mortgage states that we are required to always be current because it is an FHA loan, which is the most ridiculous statement ever. Of course you are supposed to pay on time but when you lose the only household income and have no income for nearly 2 months, catching up is newrly impossible. XXXX was understanding and happy to collect the month payment we were able to make every month. 
Our loan doesnt qualify for modification as it is only 2 years old. So all the financial hardship options are unavailable to us. 
I am unclear why this company would be set on foreclosing a home where the owners are trying to pay them and why they would be forcing a home into foreclosure when they literally just purchased it. If they dont want to service the loan they never should have bought it. 
Looking up their record, it obvious there has been no consumer protection agency taking action against them.
Offices of XXXX and XXXX XXXX XXXX XXXX ( no street address ) XXXX, CA XXXX ( XXXX ) XXXX Called me XXXX/XXXX/XXXX @ XXXX XXXX from ( XXXX ) XXXX ( XXXX XXXX TX XXXX ) robocall stating a package was undeliverable and to call back at a XXXX area code number. I called the XXXX and was connected with XXXX. Original creditor was XXXX XXXX. Amount charged off was {$2700.00} with {$43000.00} interest - a total of {$7000.00} on XXXX/XXXX/XXXX. They are filing a XXXX, as current creditor, for the full amount if I do n't pay {$2100.00} by XXXX/XXXX/XXXX. The originally mentioned they have a judgement against me from court. I was never notified. 
I had mentioned XXXX XXXX hadcollected {$1000.00} from me in XXXX XXXX to pay off my Providian account. I was told it was n't the same account.
Transferring money out of my Santander checking account during a move because of a previous issue ( closing on my mortgage nearly fell through because of them ) I log into the account to see if all the money has been transferred out to close the account only to find out that pending transactions from XXXX and XXXX posted later without my knowledge, as well as {$170.00} in overdraft fees, one of them being a " sustained '' overdraft fee which I was unaware my account had even over drafted. Called customer support many times to attempt to have the fees removed. After hours of talking politely with different support, I was able to remove XXXX. I 'm still stuck with {$100.00} in overdraft fees for {$20.00} of purchases that I was unaware of.
I applied for and received on XXXX XXXX, 2016, a Chase Sapphire Reserve credit card. A benefit of the card is that I receive a {$300.00} annual credit for travel charged to the account. I called Chase prior to the close of my first statement and was advised that any travel charges thru XXXX/XXXX/16 was eligible for the 2016 credit. When I tried to use the 2016 credit after the close of my XXXX statement I was n't able to do so. I was advised on a call to Chase that I that I had been provided with misinformation on my first call and in fact only travel charges through the close of the XXXX 2016 statement are eligible for the 2016 credit. 
I relied on the representation made on the first call that travel charges through XXXX/XXXX/16 were eligible for the 2016 credit and deferred purchasing travel till later in XXXX Chase does n't deny that I was provided with misinformation and says that my reliance on it will not change the result of denying me the travel credit for travel purchases thru XXXX. Providing me with misinformation, which Chase does n't deny and either confirmed by listening to the call or was able to do so, should not cause me to lose the benefit I am entitled to under the Sapphire Reserve card. this will result in overbilling me for my travel costs when charged.
There are two accounts that need to be removed which are XXXX XXXX # XXXX {$1500.00} I do not owe anything on this account please remove XXXX XXXX # XXXX {$650.00} account has been paid and per the company they sent a request over for your company to remove please remove
I have never had an account with this company and filed a dispute with all credit agencies requesting it be removed. A Cease and Desist Letter was sent on XXXX/XXXX/XXXX as it appears to be a former account but is well over the principle amount owed. 

My credit reports note the debt is disputed and I have not been informed of the terms associated with this debt. 

On XXXX/XXXX/XXXX, The Consumer Financial Protection Bureau issued an enforcement order against Encore Capital Group , Inc. headquartered in XXXX XXXX, Calif. And its subsidiaries, Midland Funding LLC , Midland Credit Management , and Asset Acceptance Capital Corp.The XXXX can be found at the following link : : XXXX In XX/XX/XXXX, I had been cleared for bankruptcy after employment loss and medical issues and due to possible identity theft and issues with my bank account, I was forced to delay filing. 

I informed all of creditors of my employment loss and that I was not refusing to pay any valid debts. I regret not being able to pay the original creditor and settled with those in which I was financially able to pay. I have reconsidered filing for Chapter XXXX and will file within the next 6 months. 

I have consulted an attorney concerning a possible lawsuit in this case given bogus debt collectors and unwarranted fees I never owed are the reason for my current financial situation and I find it especially distasteful to hit people when they are most vulnerable.
Mohela reported to the three credit bureaus in XXXX 2016, but my XXXX XXXX rejected that payment as an error. This is the first 30 day credit mark that I have with them. It is not my fault that my bank rejected the payment because the money was there. I advised my bank that I need a letter showing proof they received my deposits but its not credited to the account. My mom is the cosigner on this account and I do not think I should be punished for what my bank did. This is affecting my credit and my mom 's credit as well. I have a good payment history with Mohela therefore I am willing to do auto payments, but I need the credit mark removed. I did not know they were rejecting payments until I received Mohela 's emails. I have a pending complaint with XXXX XXXX as well to get this resolved.
On XXXX XXXX, XXXX Nationstar sent me a letter requiring proof of my condominium unit owners insurance. My agent, XXXX XXXX forwarded that information to them. On XXXX XXXX, XXXX Nationstar sent me a letter titled, " PROOF OF INSURANCE RECEIVED. '' Beginning XXXX XXXX Nationstar increased my monthly mortgage payment by approximately {$400.00} claiming that my escrow account was short the amount that was required to pay for the insurance that my agent proved I had ( and their letter dated XXXX/XXXX/XXXX confirmed ). I did not pay this new mortgage amount ; instead, I paid the amount that I had been paying, {$2000.00}. For both the XXXX XXXX and XXXX XXXX payments Nationstar continued to charge the extra {$400.00}. I did not pay that money. For both of those months I paid my normal amount, {$2000.00}. Today, XXXX XXXX, XXXX I tried to pay my mortgage in the amount of {$2000.00}. Nationstar would not allow me to pay because they claim that I owe over {$3000.00}. On Thursday, XXXX XXXX, XXXX and Monday, XXXX XXXX, XXXX I spoke on the phone with representatives of Nationstar who assured me that they would take care of this matter. The person I spoke with on XX/XX/XXXX said that it would be taken care of within 2 business days. The person I spoke with on XX/XX/XXXX said that it would be taken care of within 5 business days. This has not happened.
XXXX XXXX XXXX is saying I made an inquiry on XX/XX/XXXX reference # XXXX for a XXXX XXXX card. I never authorized any request for this card. I was not on any cruse ship for this company. This is fraud. I would kindly like this to be removed from all credit companies since I never made this request.
Credit Bureau is reporting inquiries that I didn't do and the credit bureau informed me they would investigate them or remove them, and I can take them to court. Below is the letters I send to bureau it was received by XXXX XXXX on XX/XX/18 at XXXX XXXX tracking number XXXX. The letters sent are attached.
Wells Fargo Home Mortgage dba as America Servicing Company is put on notice to produce sufficient documentation proving they have the '' right to foreclose. Proof of documentation established through proper assignments of forms showing original wet ink contracts not copy of contracts forged by MERs. Again I am respectfully demanding that the Wells Fargo Home Mortgage dba America Servicing Company bank show Deed of trust Chain of title full legal servicing of loan full accounting of loan All equity in property Refund of all money submitted for payment by me on this account made Payable to I believe that Wells Fargo Home Mortgage dba : America Servicing Company are not the owners of the note and they have and can not produce the original note because they have securitized the mortgage which is illegal they are committing fraud and perjury. I want to see an official wet ink signature showing where I signed for the loan. This bank has commited fraud on several accounts.Again I am respectfully demanding that the bank show Tila agreement, show the sources used to assign this loan I was bamboozled and a victim of predatory lending. 

A complete statement proof of claim. 
proof and view of my wet ink signature on mortgage note Chain of ownership of Loan and or loans Deed of trust Chains of title full legal servicing of loan full accounting of loan money from day of origination to this present moment day and time. A valid proof of claim. 
proof and view of my wet ink signature on mortgage note Chain of ownership of Loan original statement form XXXX on this account I believe that Wells Fargo Home Mortgage dba : America Servicing Company are not the owners of the note and they do not and can not produce the original note they are committing fraud and perjury. Please arrest these people for fraud. 
Please arrest these people for fraud. A full copy of all United States Postal mailings dates through mail. All USPS checks/money orders returned to me. I am requesting these all my payments be returned to me. A payment was made to this account in the form and a USPS money order and it has not been applied. This is a felony. This bank has been fined for predatory lending and violation of federal law, false reporting by the FTC and I have not received my funds from the settlement.All money returned to me in the form of money order. All these documents must be produced and notarized and must state under the PENALTY OF PERJURY.
On XX/XX/XXXX Sears/CBNA responded to CFPB complaint still opened with Citibank alleging the account was closed and correctly reported. 

Based on my disputes from XX/XX/XXXX Sears, Citibank, and Sears/CBNA  has manipulated payment history and credit lines adding new derogatory information to closed accounts with Failure to Payment statuses. Sears/CBNA reduced credit on store card following a dispute to {$250.00} updating to paid after fraudulent new information they kept reporting after every dispute to reduce my score over the last 90+ days. 

XXXX  did not investigate they give creditor unlimited access to make additional derogatory data for conflict after the next limiting consumer right to dispute each new reporting. Sears/CBNA has been making new activity ongoing
I became aware of an outstanding debt I owe from 2011. I contacted the debt collector via certified mail and asked if they would settle at a lower amount or if they would accept monthly payments until debt was paid in full. I never heard back from them. I then, sent a certified letter to all XXXX credit bureaus asking if they could investigate this. I have never disputed that I owe, I actually acknowledged that I owe this but want to come to an agreement as to how to pay it. The response I got from the credit bureaus was simply that the debt was verified and that it did belong to me. When I ran my credit report at the XXXX it states on there that I dispute the debt but that the issue has been resolved. I do not know what the resolution is as I never heard back from the creditor. To this day I have not heard from the creditor and do not know what resolution it is they are referring to. I am in the process of buying a home and that is why I am trying to do the most I can to get this issue resolved.
I check my credit annually to verify all data is accurate. I take pride in my good credit and maintain approximately XXXX fico. In XX/XX/XXXX I sent copies of my drivers license, social security card, deed of trust ( mortgage ) and utility bill to receive a copy of my report from Equifax, XXXX and XXXX. I noticed there was a " variance '' in my social security number. My accurate social security number ends in XXXX and all 3 agencies report a variance of social ending in XXXX. 

and According to the Fair Credit Reporting Act I have a right to have my personal information accurately reported. If inaccurate it is the legal obligation of the credit reporting agency to validate or remove inaccurate data. XXXX and XXXX were very professional and were able to delete the variance in social security number. 

Equifax refused to investigate or delete the inaccurate data. It is for this reason I have filed a complaint with the GA Attorney General and written to XXXX XXXX XXXX, XXXX, Equifax, about the issue of inaccurate personal data maintained by Equifax. 

I am formally requesting the Equifax immediately delete the variance in my social security number and send me a new credit report reflecting the deletion.
For the 1st time in over 3 years, I have fallen on hard times in regards to making payments on my card. I have never missed a payment and this is the first time this has happened. I have literally been getting automated ( dialer ) calls 4-5 times per day including Saturdays. This is 100 % unacceptable and borderline harassment. I have been in the XXXX XXXX for over 13 years and I am a XXXX XXXX XXXX. I am currently gong through a divorce at in the process of filing for bankruptcy. I am asking at this time that all communication via telephone to CEASE until my attorney is in contact with Chase.
I have multiple inquiries for credit cards And loans. I had my wallet stolen like 12 months ago ever since then people have been getting or trying to get things in my name.
XXXX / XXXX /2017 Set up an account with Experian 's protectmyid.com. Saw that the current employer information on my report is ten years out of date. Tried to use Experian 's Dispute Online function but after filling out the form was taken to a page saying " We were unable to honor your request '' with no further recourse except for mailing a letter to them.
XXXX is putting unverifable information on the credit report. This information is incorrect and untrue and unlawful. I am requesting an immediate removal of this account. I am attaching my recent credit reports
I continue to receive phone calls from this number some times two times a day. It's been going on for over 5 months or so. Although, I have asked them not to call they continue to call.