WillisBack/dataset-financial-user-claim huggingface dataset:
I have filed a complaint before - Case # XXXX. I was hit with a " double whammy '' yesterday, XXXX XXXX/XXXX/16, with NOT 1, BUT, 2 harassing letters from JP Morgan/Chase, demanding that I pay THEM MORE MONEY, AFTER, I HAD SENT THEM A CHECK IN THE AMOUNT OF {$49000.00}. ALONG with a letter stating that this was PAYMENT IN FULL AND I WOULD NOT PAY ANYTHING ELSE!! BUT, JP Morgan/Chase is STILL HARASSING ME FOR A MERE {$35.00}!!!! IF THEY HAD N'T BLOCKED MY ABILITY TO PAY ONLINE, AS THEY HAVE, THEY WOULD HAVE GOTTEN THAT FINAL PAYMENT, THE DAY THE STATEMENT WAS RECEIVED!!!! BUT NO, I HAD TO SEND THE PAYMENT VIAL " SNAIL MAIL ''!!!!!! AREN'T/CA N'T THEY BE SATISFIED WITH THE $ XXXX I SENT THEM TO PAY OFF THIS DEBT?????? THIS IS NOTHING BUT HARASSMENT ON THEIR PART!!!! WHAT NEXT??? THEY ARE GOING TO FORECLOSE ON MY HOUSE FOR A FREAKING {$35.00}??? IT 'S THEIR FAULT THAT THEY BLOCKED MY ABILITY TO PAY ONLINE AND TO SEND THEM EMAILS!!!! I 'VE HAD IT WITH THIS FRADULENT BANKING CORPORATION!!! I TOTALLY REFUSE TO PAY THIS {$35.00}!!! WHAT THEN?? AFTER I PAY THAT AMT. THEY ARE GOING TO COME AFTER ME FOR MORE MONEY FOR PADDED, BOGUS FEES, WHATEVER???? I 'VE HAD IT, AND I 'M GOING TO TAKE A STAND, EVEN IF YOU ARE NOT!!!! I 'M SO XXXX AGAINST THEM, AND, HAVE XXXX & TIRED OF THEIR INTIMADATON, HARASSMENT, AND THREATS, IT IS N'T FUNNY!!!! THIS BANKING ORGANIZATION, JP MORGAN/CHASE, AS I HAVE FOUND OUT, HAS HAD NUMEROUS COMPLAINTS AGAINST THEM AND THEY HAVE BEEN ACCUSED OF FRADULENT BANKING PRACTICES!!! BUT YOUR ORGANIZATION IGNORES/TURNS A BLIND EYE TO THAT??? WHY??? BECAUSE THEY 'RE A HUGE CORPORATION AND YOUR AFRAID OF " TAKING THEM ON ''?????? I have been going through their XXXX for almost 1-1/2 YEARS, AND I 'M TIRED OF IT!!!!
There are several discrepancies with my personal information. The following does not apply to me : Social security numbers related to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not my spouse I am not associated with these names : XXXX XXXX XXXX XXXX XXXX I have not lived at these addresses : XXXX XXXX XXXX
I got a loan in 2016 I have paid it off but im still paying it now. I got a loan for XXXX the principal are very high im still not done with it but I have paid this loan off twice. I need this problem fix asap
Experian alerts me to a change in my score. It was over 800 for quite a long time. Then they arbitrarily lower it, again and again. When I spoke to them about why, they gave conflicting statements. Saying at different times that the same thing has a positive and then later said it has a negative impact on my score.

Today a new report was generated, they lowered my score again ( I am about to close on buying a home ) on the Overview page of the site when I log in, it says reason for change ... whats impacting your score, your credit usage is LOW then when I go to the Score page, under whats hurting your score, credit usage is HIGH says heavy usage of revolving credit. So the site explanations are in conflict with each other. Additionally, I only have 2 credit cards, and currently have a balance of {$320.00} on

one of them. We have no other revolving credit accounts.
I have asked them to articulate how they lower and then re raise and then lower my score sometimes several times in a month when my activity had remained unchanged for a few years. Why would you lower my score 27 points? Then raise the next month 27 points? Then lower it again ... and their website does not nor can they properly explain in my case why they are doing that. Nothing they say makes sense, they only give you the run around and give conflicting explanations all which make no sense.

How is it that they can be allowed to affect your score so dramatically and then offer no sound reason?

Lastly, I tried calling Experian again today, the number on the site often doesnt work, then when it does, you step through all the choices ... and it hangs up. Not professional and not confidence instilling at all.

Very frustrated and sad.
HELLO THANK YOU MY PROBLEM IS FOR THE PAST 4 MONTHS IM NOT EXAGGERATING EVERY SINGLE WEEK I HAVE TO SPEND TIME ON THE PHONE CALLING ALL THE CREDIT REPORTING AGENCY BECAUSE A FRAUD ALERT GETS DDED ON MY REPORT YES NOT DELETED BUT ADDED IT IS HINDERING ME FROM APPLYING FOR CREDIT I HAVE CONTACTED ALL 3 AGENCIES AT THE SAME TIME AS IM AWARE THAT ONE COMPANY IDENTIFIES AND COMMUNICATE WITH EACH OTHER RE FRAUD ALERT HOWEVER IN THIS CASE THEY ARE PLAYING THE BLAME GAME TRANSUNION BLAMES XXXX XXXX BLAMES XXXX AND XXXX BLAMES TRANSUNION ITS NEVER ENDING IT GETS REMOVED FOR LIKE 4 DAYS ONLY TO BE PLACED BACK ON THE REPORT AGAIN SO WHAT HAPPENS IS IF I TRY TO APPLY SOMEWHERE THEY AUTOMATICALLY DENY MY BECAUSE THERE IS A FRAUD ALERT ON MY REPORT I KNOW ITS MY RIGHT TO HAVE AN E=ALERT PLACED ON MY FILE HOWEVER THERE IS AN APARTMENT BUILDING THAT THERE POLICY IS NOT TO ACCEPT ANY ONE THAT HAS A NY KIND OF ALERT ON THERE FILE THEY JUST DO N'T WANT TO GO THRU THE PROCESS OF THAT SO THERE FOR I WANT FRAUD ALERT PERMANENTLY REMOVED AND THE ONLY WAY OR REASON THEY SHOULD PUT IT ON IS IF IT IS PLACED ON THERE FROM ME ONCE THEY HAVE IDENTIFIED ME AND NO ONE ELSE
So I was buying {$260.00} of Ethereum off the site " coinbase.com '' on XX/XX/17 and after doing so, it said my money was pending for 3 days however I can accelerate the process by adding my ID in which I went to do however, their automated system could not read my ID and their system automatically locked me out of my account. I then proceeded to send them an email and call them in which they replied with they have " escalated '' the support ticket however after reading online this seems to be something they say alot and there are people that have been waiting MONTHS for a reply.
Ok after repeated attempts of blocking the following from my report it's becoming disrespectful for the credit agencies to continue reporting unverified accounts inwhich are not mines, and if this continues I will be left with no other choice but to file suit. With the upmost respect could you please block the following from my report, XXXX, XXXX  XXXX XXXX, and XXXX.
U.S. Bank has a policy of using its secured credit cards to defraud consumers, having no procedure in place for periodically reviewing secured credit cards to determine if they are eligible for upgrades to unsecured credit cards and also failing to commit to the credit limits of secured credit cards once they are upgraded to unsecured cards. When I applied for a {$3000.00} secured credit card with U.S. Bank last Summer and was informed that there was no procedure in place for periodically reviewing secured credit cards to determine their eligible for upgrades to unsecured credit card, I had a vague suspicion at the time that this was a means for U.S. Bank to defraud consumers by using their secured funds to accrue interest for as long as possible at their expense. 

This suspicion was confirmed when I was issued a refund check the following Summer in response to my request to upgrade to an unsecured credit card and saw that I was to issued on XXXX cents in interest on the {$3000.00} balance that had been held by U.S. Bank for more than a year. Moreover, U.S. Bank decreased the credit limit from {$3000.00} to {$500.00} the month after it was issued, speciously claiming that it was done because of inactivity on the newly issued card.
In XXXX 2001, XXXX 2001, and XXXX 2001 I apparently took out student loans with Sun Trust Bank located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA-XXXX ( XXXX ) XXXX as a student  at XXXX XXXX XXXX an unaccredited for Profit College or Diploma mill based in XXXX, MO. The school is no longer open as it closed almost 2 years ago. Because I was misled into thinking XXXX XXXX was an accredited College similar to another school in my city. I later learned this College was not accredited by an instructor named XXXX XXXX who was essentially hired off the street based on a referral by XXXX XXXX XXXX another instructor neither of which had any experience or academic credits to teach the program I was enrolled in, XXXX XXXX. The amounts of the loans were XXXX, XXXX, and {$2600.00}. The XXXX amount I am not sure where it came from. I only know it exists because it is on my credit report. Long story short i defaulted on my Student Loans and years went by. I tried to pay them again and fell short. This last time I decided I had enough of taking these peoples word for it and I found the Missouri Department of Higher Education less than helpful in answering questions eventually XXXX XXXX got involved and it became even harder to get the answers I needed. What I wanted to know or see was proof that I owed these monies. The last time I requested proof I was sent some type of spread sheet of payments made. This spreadsheet didnt show any terms, my signature, anything at all just amounts of money. I eventually got on an Income based repayment program which i only agreed to because they said my payment would be {$50.00} to {$80.00}. This was not true. The payment they wanted from me was over {$300.00} a month. I was told that If i made 3 payments of that amount they would help me reconsider my payments. What I absolutely hate about all of this is that the monies I was said to have borrowed apparently increased exponentially because by the time MDHE got involved I am told the amounts I now owe are {$6200.00} and {$3800.00}. All of this for less than a sub par education. I would also like to add that I recently had to request my transcript for this school and believe they gave me credit for classes I do not recall taking. Specifically an XXXX XXXX course.
Since becoming an Equifax customer my score was about a XXXX at the start of the membership. There were many debts at that time, some were not valid, some were paid before going to collections. Oddly after removals of the inaccuracies my score dropped more and ore since becoming a customer. With improvement my score should stay unchanged. 
With the issues I had prior XXXX complaints as my score dropped at times by up to XXXX points. and right after the XXXX complaint closed they dropped again another XXXX points with no changes to my credit report that would justify the drops continually. Replies were not justifiable as at the start with many wrongful debts I had a very good score and today with removals and improvement my score has dropped too much. I gained new credit, reported as good credit, paid on time, paid typically the balance in full, and again they are dropping my score by about XXXX points each time they drop without justification. Common sense tells you that when you are a new customer with a score of XXXX with allot of wrongfulness, no good credit at the time, all wrongful removed, new good credit that today my score is a XXXX, so what does that tell you they have done immorally to my score.
I requested my credit reports from Annual Credit Report I mailed in the request form on XXXX, 2017 to receive my credit reports from XXXX, Equifax, & XXXX. I have received my credit report from XXXX and XXXX on XXXX, 2017. It is now XXXX, 2017 and have still yet to received my credit report from Equifax that Im entitled to. Federal Law entitles me to receive one free credit report from each credit bureau. I have requested my all 3 major credit bureaus XXXX, Equifax, and XXXX. I submitted my request at the same time. I have receive my credit report from XXXX and XXXX as of my XXXX 2017. It is now XXXX, 2017 and I still have not received my Equifax credit report that I am entitled to.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA - XXXX XXXX/XXXX/XXXX TransUnion Consumer Relations XXXX, PA XXXX RE : Reappearing Removed Item XXXX XXXX XXXX Late Payment XXXX File # XXXX SSN # XXXX Consumer Financial Protection Bureau Case Number XXXX XXXX XXXX Account # XXXX Past Due 30 days XXXX XXXX has been removed since XXXX and XXXX XXXX again reappearing as a adverse account. After I submitted complain though Consumer Financial Protection Bureau on XXXX XXXX ( Case # XXXX ) and Your response was, Response We have reviewed your complaint along with the information you previously provided regarding this issue. In response to your request on XXXX/XXXX/XXXX, we initiated an investigation with XXXX XXXX # XXXXand they removed the late payment reporting XXXX. However, we received another request on XXXX/XXXX/XXXX to investigate XXXX XXXX # XXXX. In response, they re-added the late payment for XXXX. After reviewing the activity on your file, along with the information in our data base, we have removed the late payment reporting XXXX and taken precautionary measure to prevent the late payment from reporting in the future. You may wish to contact XXXX XXXX directly to ensure the account is reporting accurately in their database. 

( CFPB CASE # XXXX Respond attached ) On XXXX XXXX again reappearing Past Due XXXX XXXX same account and I called your customer service dispute department and asked them to corrected. ( Credit Report attached XXXX/XXXX/XXXX ) I attached XXXX/XXXX/XXXX Credit report show as a prove no any adverse account that time. 
Today ( XXXX/XXXX/XXXX ) when I checked the credit report again reappearing above past due. ( XXXX/XXXX/XXXX credit report attached ) Please removed past due XXXX XXXX XXXX account # XXXX as soon as possible. 

Thank you ... ... ... ... ... ... ... ... ... ... ... .... 
XXXX XXXX XXXX
In XX/XX/XXXX ... there was an unauthorized hard inquiry placed on my credit. I am just now seeing it this year.After contacting XXXX XXXX ... the parent company this XX/XX/XXXX ... they've contacted the subsidiary in which ran my credit : XXXX XXXX. They did the research and found that there's no way I authorized my credit to be ran. They've sent the request to all credit bureaus to have the hard inquiry removed ... XXXX ... XXXX ... nor Experian have done such. The inquiry is STILL on my credit!
I am a first generation college student who hold a XXXX and XXXX XXXX XXXX which I owe nearly XXXX dollars for in private student loans. I make XXXX per month and pay American educations services XXXX $ and XXXX and XXXX XXXX another addition XXXX . This makes my student loans total well over XXXX per month which is half of what I earn. I have a child that I take care of and rent and living expenses to pay and because of my income I GET NO assistance for anything from the state or the government but after paying my student loans in at the poverty level and should technically qualify for some help. This is wrong American education services are the only lenders who REFUSE to work with me although I keep my account current by any means necessary, even paying my student loans before paying rent or getting food. I 'm literally struggling to survive because I made the decision to go to college and try to become better. My parents made to much money for me to get financial aid but did n't make enough to pay my tuition at school. this is a sad world when going to college can ruin your life like it has done mine, I just wanted to become better and give myself a change, I never realized that by taking a loan from American education services I would be giving up the rest of my life and making my sons quality of life worse than mine growing up because I owe so much student loan debt, I need some help I have literally begged American education services for any option to lower my payment and they just say they cant. why is this happening in America, why can banks and automotive companies get bailed out but a single XXXX woman try into to make it ca n't get any help with these XXXX dollar banks. this is unfair and I would trade my college degrees any day for a piece of mind of not having to worry about money because in paying all my monthly earning to lenders and the sad part is, it 's not even making a dent in what I owe because of my interest., so I will be broke forever only to keep a high balance on my student loans,. I ca n't buy a house or a new car or any of the things we picture in the American dream after you attend college. This is criminal I this is why people take their own life over debt. Who would choose to live like this and barely survive after working 40 hours a week only to pay on a huge debt that 's not going anywhere? I understand I have to pay back my debt but its ridicules how American education services wo n't work with people to make the payments reasonable. I do n't know anyone who has an extra XXXX per month to pay and still live. Please help me, please get American education services to work with borrowers and not lead them into situations like my own to where you are so desperate you have to sacrifice meals and taking care of yourself because you must pay a greedy lender.
A few months ago I found out that there had been three hard inquiries added to my credit file. I didn't recognize the companies nor had I authorized them to run my credit. I mailed a letter to Transunion over 30 days ago and have not heard back from them. These are the three companies involved that Transunion shows have reported hard inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX
I leased a car from the XXXX XXXX dealership and when my lease was up in XX/XX/XXXX, I was told by the dealership if I leased a new car that day ( XX/XX/XXXX ), they would waive the Wear and Tear fee on the vehicle I was turning in. I went home happy with a new XXXX XXXX lease and an intact credit score. 

Months later, I received a letter from XXXX XXXX XXXX ( XXXX ) saying I owe a {$620.00} Wear and Tear fee. I promptly called the dealership ( XXXX ) and was assured they would be paying the fee to XXXX and I would have nothing to worry about and I would never hear from them again. 

Another few months pass ( now it is XXXX XXXX ) and I start receiving multiple calls from the same number and finally answer, it was the Collections Agency calling because the dealership never paid the {$620.00} that they had promised me they would and consequently, XXXX sent me to Collections over it. 

I then go to the XXXX dealership and the manager of the dealership writes a check for {$620.00} and sends it to the Collections Agency ( that they should  have done months and months ago ). And everything was " settled ''. However, this caused MY credit score that I have worked so hard on, and I have never missed a payment EVER, to drop 70 points The manager of the dealership wrote a letter for me to send to XXXX  stating I was not the responsible party for this payment and it should be removed from my credit report, which I sent to the XXXX  Direct Dispute address as certified mail along with a copy of my credit report and a letter explaining the situation on XX/XX/XXXX. I have filed complaints with the 3 credit bureaus as well, but the information on my credit report remains the same.
On XX/XX/2017 my wife and I identified six withdrawals from our Bank of America joint savings account totally over {$21000.00}. One of these withdrawals was listed as payment for an installment loan ( {$8000.00} ) and five of the withdrawals were apparently payments applied to a credit card at XXXX XXXX. Neither my wife nor I authorized these withdrawals. This account is not an account we use frequently -- we most often make deposits and occasionally make transfers to our checking account. The account number would be known to few individuals other than myself, my wife and personnel at Bank of America. We did not lose our bank debit cards, so the only possible access to the account was through electronic access, which would have required an ID and password. 

We immediately contacted the bank, which was unaware that the account had been accessed by an unauthorized individual. We closed the account and the bank " opened '' a new account into which to transfer the remaining funds in the compromised account. Subsequently, but not immediately, the $ 21,000+ was returned but placed in the wrong account, one that belongs to my wife and daughter rather than the new joint account. Subsequently we moved the funds to the correct account. The new account was set to have federal withholding tax withheld without our authorization. Information in the old account was no longer accessible to us. 

I have repeatedly asked for an explanation of how our account was accessed and by whom. I have also asked what steps the bank intends to take to assure that such unauthorized access will not occur again. To date, I have received no explanation regarding the unauthorized access nor any statement about how such access will be prevented in the future. Indeed, Bank of America has offered no information and insists the problem is at XXXX XXXX which received the transfer of the unauthorized funds. 

I appears to me that there was a data breach involving my account that Bank of America is covering up. My wife and I have been greatly inconvenienced and are very concerned about the safety of our accounts.
I order XXXX internet. They installed internet and a phone line. I told them I don't need a phone line and never ordered one. They said they will removed the phone service which they did but a year later I got collection bill from I C SYSTEM INC stating I owe XXXX. I contacted XXXX   about it and was promised they will notify I C SYSTEM INC to stop notification. Notification of collection did stop but it still show up on my credit. every time I called the promise it will be removed but it's still there affecting my credit score
I opened a Citi XXXX XXXX XXXX XXXX XXXX credit card in XXXX, XXXX. The credit card terms indicated a {$650.00} phone offer for a {$2000.00} purchase using the XXXX XXXX XXXX credit card in the first XXXX months ( screenshot attached ). I did make {$2000.00} in the first XXXX months ( also attached ), and the phone offer showed up at the bottom of my account summary page as " Take advantage of your XXXX XXXX XXXX XXXX XXXX XXXX Offer ''. But recently when I looked at my account I could not find the Phone offer anymore. 

I contacted Citi customer service and they claimed that in their disclosure it stated that transfer balance, account fee would not be counted as a part of spending, which made my " valid spending '' {$1900.00}, and refuse to credit the reward to me. 

I got really confused. Clearly, the threshold would have been met if the membership fee was counted. Their advertisement was misleading in a way that hided significant information. The lacked clear definition of consumption, therefore, misled me.
I Co Signed a car for my ex girlfriend. We had a huge hail storm In Colorado and did about 6000 dollars worth of damage to her car. The insurance company issued a check to her dad and not the lien holder and her dad. She never had insurance herself. They pocketed the 6000 dollars from hail. And claimed the car as totaled. There was no reports of another accident or anything that they claimed to there insurance. Which sent them another check for half car being totaled out. So it left a balance of 7000 due to her and her dad not having gap insurance from a false accident report in the first place. So now the debt collection agency is saying I owe the rest of the money and is ruining my life and credit score by adding missed payments I should not be responsible for. If there is anything yall can do to help me please let me know. I dont what to do anymore. Thank you
Case XXXX XXXX University COLLECTIONS DEPARTMENT HAS RUINED MY CREDIT WITH AN INACCURATE CREDIT REPORT. To BOTH Equifax saying my debt was over XXXX dollars and XXXX same starting debt then follow up reports on that debt that still are wrong. XXXX actually owes me money because I was a XXXX XXXX and Housing regulations say I stay until Graduation with no late exit charge. Also XXXX charges ridiculous amounts for " alleged '' cleaning and XXXX ( E Mail for Collection agent ends in XXXX so he works for XXXX and is not independent and Harasses many times a day STILL including my cell at work for XXXX. DESPPITE his billing charges differing from XXXX XXXX Billing Charges