WillisBack/dataset-financial-user-claim huggingface dataset:
Since when I opened my SSN this year I have been cleaning up my credit report due unauthorized requests/reports/updating personal info. 

Inquiries not cleaning up : XXXX XXXX XXXX - XXXX ( Already asked the company they removed one inquiry only ) - Last contact in XXXX. 
XXXX XXXX - XXXX ( never hear back from the company ) - Last contact in XXXX. 
XXXX XXXX - XXXX ( never hear back from the company ) - Last contact in XXXX.
I paid XXXX XXXX Account in Full on XX/XX/XXXX. I disputed the balance with Equifax 5 times and it still appears on my credit reports as unpaid. I sent them the paid letter form the collection agency. But rather than researching the account balance Equifax has verified my identity which I have never denied. I am attaching the paid in full letter from the company as well as my bank statement showing the date that the item was paid in full which was XX/XX/XXXX.
I refinanced my mortgage with which I had to make escrow payments with a different company. The mortgage was serviced through another provider, XXXX The new company paid the loan in full on XX/XX/XXXX. The company says they mailed me a refund check on XX/XX/XXXX. I spoke with someone through chat about not receiving the check at the beginning of XX/XX/XXXX The escrow refund was reissued on XX/XX/XXXX because I complained that I had not received the check ; my guess was they did n't include my condo 's Unit number and the check was sent back. I was told that was the correct reason and they would include the Unit number. I have not received the check that was originally issued or the check that was reissued.
I spoke with XXXX in the consumer affairs division this past Thursday XX/XX/2016 about the XXXX point difference between XXXX ( XXXX score ) and Equifax ( XXXX score ). She gave me meaningless blather instead of any solid info. I 've been in finance for 30 years dealing with credit reports. it is highly unusual that a score varies almost XXXX points. Most Fico scores vary between XXXX difference max. I also told XXXX the information on both reports was IDENITICAL making the score that much more ridiculous. 

After speaking with her on XX/XX/2016, I checked my scores yesterday only to see my Equifax score drop another XXXX points since XX/XX/2016. There has been absolutely no change to my profile so I am once again baffled by how Equifax can be so far off. ( Picture Attached ) I have filed more than one report on this but the CFPB seems to be just another useless GOVT agency with all bark and no bite. Maybe the CFPB can tell me whats its purpose is because if you 're just their to forward complaints back and forth ... then your useless. 
Why does n't the CFPB DEMAND an explanation?
Kohls company will call XXXX times a day, will not leave a message, and is at all hours of the day. I set up a payment to be automatically taken from my account on a specific day. That day I looked in my account and saw it was pending. Kohls company called me XXXX times even though I had made the payment. They need a better system.
Back in 2013 i suffered from identity theft I had XXXX XXXX XXXX cards that I made payments on. My cards was stolen and maxed out. it has now been 3 years and im still suffering from this. I have been disputing these XXXX cards off my credit report and only XXXX has removed them. XXXX ans Experian has refused to try to assist me. This has been so stressful my credit sucks I do n't qualify for anything and i just need some help. This has caused me many sleepless nights. grey hairs XXXX XXXX XXXX. Every time i dispute with experian they say verified verified by who. Im not rich i make a modest living i have rights. this is against the fair credit act. Every time i have called Experian they have been nothing but rude and unwilling to assist me, I 'm even enrolled in their fraud alert but they still wont remove these items of my credit report report.
The borrower was in review for a modification and the bank motioned the court to reset the sale and received the relief it sought as the court granted the bank 's motion and the property currently has a scheduled sale date for XXXX XXXX, 2015. 
This is clearly a violation of 12 CFR 1024.41 as the bank is prohibited from seeking a sale date while the borrower is in review for loss mitigation.
On XX/XX/XXXX I then sent copies of XXXX legal affidavits, the XXXX County Deeds Office letter response, and a letter informing DEBT RECOVERY SOLUTIONS the following : I do n't know anything about this debt please send to the Original Creditor. The Account/Debt was established without my knowledge. 
As Resolution of this complaint, I ask that DEBT RECOVERY SOLUTIONS stop all current and future correspondence with me and their company be erased from my current credit report. 

COMPLAINTS XXXX On XX/XX/XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX County, XXXX, XXXX stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account DEBT RECOVERY SOLUTIONS via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with DEBT RECOVERY SOLUTIONS, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. 
On XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County of XXXX, XXXX, ( XXXX XXXX XXXX, Clerk Superior, State and XXXX Court, XXXX County, XXXX ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XX/XX/XXXX I sent legal notarized affidavits from XXXX County, XXXX to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, XXXX XXXX ( XXXX. XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with DEBT RECOVERY SOLUTIONS, ( XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ). 

On XX/XX/XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing DEBT RECOVERY SOLUTIONS the following : I do n't know anything about this debt please send to the Original Creditor. 

As Resolution of this complaint, I ask that DEBT RECOVERY SOLUTIONS stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, XXXX XXXX
XXXX Bank is trying to collect a debt from me that is ot mine. There was a credit card opened in a name, that is not mine, but the person used my information to obtain the credit card and now they are trying to hold me liable. i have been harassed and told that the debt is mine and now t he company changed the name on the account to my name as if it was the name being used the whole time.
Bank of America charged me an overdraft on my account ( {$35.00} ) for withdrawing at my ATM. They said I already had overdraft protection on and thus should not have an option to withdraw more, but they apparently the ATM prompted me with an option to agree to waive that protection. I am XXXX, thus did n't read it. I called to get the fee waived out of courtesy, but discovered they had predatorily ignored my request to have overdraft protection on. They were in the wrong.
My lease was ending on XXXX2015.. My boyfriend and I personally gave the property manager a 60-day notice that were leaving..The stay at XXXX XXXX was very XXXX and we had no security there. Therefore, while my boyfriend and I look for homes to move into ... sometimes my sister come to stay on and off until we find a new home. My sister and I personally went to tlk to property manager about having her take over my lease until it ends XXXX2015 ... Property manager XXXX had my sister do an application and pay for app fee ... My sister did all of that she got approved to stay until lease is cancelled ... .We all tlk about renewing it and I verbally told property manager no thank you I found a home and do n't want to cosign for my sister..Therefore, property manager told my sister she needs to find a Cosigner if she wants to renew the lease but if she cant find one then the lease is cancelled ... I told property manager find with me because were moving soon ... .In which we did right after my sister was approved we moved in our new home XXXX XXXX, 2015..I have proof when we legally signed papers on moving into our new home and my sister has paperwork when she legally signed to tke over my lease until XX/XX/2015 ( end ) ... I have proof of all my rent reciepts and my sister has proof for rent reciepts too. Last of all, I got information for a collection agency about breaking a lease and I owe money etc ... Im just confused bc i gave them 60 day notice in person and verbally said im leaving and that Im not cosigning for XXXX or renewing my lease. Now all XXXX of our credit is damage and I just want to figure how to fix this fast.
XX/XX/2016 as I was checking out at the Home Depot Garden Center in XXXX, TX, the cashier said I could get a {$25.00} discount on my {$56.00} dollar purchase by applying for a credit card. I ask how long the application would take and she said less than five minutes. I said okay. 
The cashier fill in the application. I answer every question correctly. 
I have never received a bill. 
Based on a credit report of my account not long after, I believe Home Depot foolishly and/or negligently assigned my account to Citi Card Services. I have never received any mail from Citi. 
I believe whoever set up this application process ignorantly and/or negligently did so thinking everyone gets mail delivered to their street address. I am presently at my XXXX address where I do not receive home mail delivery. If any bills were foolishly sent to my home address, naturally I did not received them. 
In the last month I have received repeated phone calls from the same lady with a foreign accent about this bill. I have repeatedly told her that the bill must be sent to my post office address. Still no bill. 
I am enclosing my check for {$31.00} for the amount I owe Home Depot but was never billed. I am clever enough to go on line to get a mailing address. Interesting that XXXX major cororations like Citi and Home Depot can not get mailing addresses. 
Naturally, if I still have any credit card account opened, I want it closed.
Puget sound Collections I personally wrote to them a letter of disagreement of all the bills from  2015  and anything prior to that I do have all the copies and when they were sent to the agency this was with an attorney involved there was not a single letter back from them and they did not write anything stating I owed these bills or anything, these bills should have been wiped from any credit report. there were over  XXXX  report number listed and I do have proof that they received them. They like I have 30 days to respond to me. They did not, I call them they do not respond, they are very rude. These are all medical and most of the medical work with my insurance company and make agreements to take certain dollars for the procedures. ANY AND ALL PUGET SOUND COLLECTIONS SHOULD BE REMOVED. If they want copies of the letters in which it does show the numbers listed in their files I will be happy to resend these to them.
the balance showing on the following credit cards are months out of date and incorrect because the balance has been paid in full Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I signed up for a XXXX XXXX new card after trying to make a purchase using my old acct there ... .i was informed that the old account in approx. XX/XX/XXXX would not allow the workers to make a purchase on my acct. XXXX the store representatives at the XXXX XXXX Mall, NY got my information and opened up a new XXXX XXXX credit card for me in which i never got the card in the mail or the account number ( although the store employees indicated that i would receive my new account and card in the mail ... .I was recently told that XXXX XXXX XXXX took over the billing for XXXX XXXX XXXX ... ..my account was paid to be interest free in which the representative at XXXX customer service collections office by the name of XXXX informed me that she did not know the percentage of payment amount that i had to pay to receive the interest free ... .she could not see the purchases i made ... my interest free ends in XX/XX/XXXX yet i am being charged as if this account is not interest free ... ... the representative XXXX could not even tell me what purchases i made the company is very unorganized nor could the store employees tell me what purchases i made in the event i would like to return an item ... ..this negligents in keeping a the aformentioned {$800.00} credit limit account open when i could not purchase anything on it and requested that it be closed in XX/XX/XXXX is irresponsible and hurt my credit score the account was just closed after i demanded it to be ... ..complaint to the store again over the phone on its XXXX customer service number ... ..i was given a number to the parent organizaation of XXXX by the representative XXXX to file a complaint although she told me she could take a complaint at XXXX XXXX XXXX - about their billing ... the lady was rude asking me the same questions over again when the stores representatives told me that i had 1 year interest free before i would be billed which was not true ... ... ... ..doing so hurt my credit score although i have made payments ... .i have not gotten one bill or a credit card on the 2nd account XXXX approved for {$6000.00} ... ..this business has behaved shady and unscruppolous who issues credit refuses to give the customer a credit card or bill and keeps open a dormant account after the customer requested it to be closed yet they continue to send a new card for the dormant account not the higher interest rate account ... i have not received one bill ... ..they should be sanctioned ... .when i go into the store or call the store reps can not tell me what i purchased or all of my payments made in the store ... ... please remove all the deragotory stuff off of my credit report by this company ... i will never make another purchase there ever
there are several fraud inquiries on my transunion report that were never authorized by me from these creditors, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on XXXX and i have disputed these with the creditors numerous times and they all need to be deleted from my credit report asap by transunion
After reading the complaint and lawsuit from XX/XX/XXXX by the US Government, I want to formally voice a couple concerns I have with Navient. 

1. It was not until XX/XX/XXXX that I was made aware that my federal student loans had an option of income based repayment. I had a number of years where the loan was in forbearance and I was not aware of my options. 

2. Navient refuses to release the cosigner on my current private loans. One of those cosigners has been deceased since XX/XX/XXXX. It has been 7 years and no cosigner has been release even though I am on autopay. I have also raised my credit score to over XXXX points during this time period. It is time to release them. 

3. Navient continues to increase my smart option loan interest rate. This rate is over 11.5 percent at this point. Again credit score is going up as well as autopay however they continue to increase.
Many calls to my cell phone number XXXX XXXX XXXX from Professional Bureau of Collections of Maryland , Inc XXXX 
I do not owe anyone anything.
Cant open any bank accounts do to XXXX XXXX XXXX. There was a credit card opened in my name Years ago in Wells Fargo. Cant dispute it. Need help opening an account.
they called me every day before payment was due, now that it is past due they are calling 10 times a day.
I am writing in dispute to the payment history reported from XX/XX/XXXX through XX/XX/XXXX. During XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I paid as agreed per a Trial  Payment Plan (TPP), a partial payment agreement, which was supposed to be reported to the Credit Reporting Agencies (i.e. Experian, XXXX, and XXXX). According to the recent credit reports I have received and my communication with each agency by phone, this information was not disclosed by XXXX. Instead, due to the partial payments, my payment history reflects 60+ and 90+ days late during the aforementioned period. I have a copy of the TPP that I signed and that was approved by XXXX, with highlighted statements. On page 2, bullet 7, it states “Please note that except for your monthly mortgage payment amount during the TPP, the terms of your existing note and all mortgage requirements remain in effect and unchanged during the TPP.” On page 2, the 3rd bold section under “Additional Trial Payment Plan Information and Legal Notices state, “Your current loan documents remain in effect; however, you may make  the Trial Payment Period Payment instead of the payment required under your loan documents.” (I also have monthly statements from XX/XX/XXXX-XX/XX/XXXX showing the dates these payments were received.) Despite the acceptance and fulfillment of this TPP, and despite reassurance from 3 different XXXX  representatives each month that I personally made the TPP payments by phone, I have incurred 60+ and 90+ late payment marks on my credit report with XXXX. The TPP document clearly states that I may make these partial payments; the TPP payment agreement is the exception, but all other mortgage requirements remain in effect.
I had payment arrangements to bring my credit card account current. I spoke to several representatives and was given different payment options. All of the correspondence is documented. I was told on XXXX XXXX, 2015 to make a payment of {$110.00} by XXXX XXXX, 2015. I was then told on XXXX XXXX, 2015 via Capital One 's message center to make a payment of {$120.00} by XXXX XXXX, 2015. I had already sent a payment of {$110.00} on XXXX XXXX, 2015, so I planned to sent the difference by XXXX XXXX, 2015. I then noticed that my account was closed on XXXX XXXX, 2015. When I inquired about the closure, I was told that because my account 120 days past due, it was closed. I told them about the correspondence with different representatives and how I was NEVER told that my account was going to be closed even though I made the required payments. I was told my payments would bring the account CURRENT and my card would STILL BE OPEN AND ACTIVE.
Transunion took off a " good '' tradeline, when they were NOT suppose to. I previously disputed an account with XXXX XXXX ( a rent payment creditor ), because they had not reported the months correctly ; however, Transunion took it upon themselves to remove it entirely ; instead of verifying and correcting the dates. Transunion is now REFUSING to put XXXX XXXX ( creditor ) back onto my account. XXXX XXXX ( the creditors ) were told by Transunion, that the ONLY way to put it back onto my account ; is that I would have to send in a copy of my lease agreement, drivers license and a letter stating that I would like XXXX XXXX ( the creditor ) " inserted '' back onto my credit. I did " exactly '' what I was requested to do, yet Transunion sent XXXX XXXX ( creditor ) the following statement ... .... '' We are in receipt of your reinsertion request for consumer, XXXX regarding account ending in XXXX. Please be advised that said account was deleted from the consumer 's credit file on XXXX/XXXX/2016 in response to a consumer-initiated dispute, and is not eligible for reinsertion. " XXXXAfter XXXX XXXX ( creditor ) informed me of Transunion response , I called and spoke to XXXX representatives and one supervisor, who stated his name as XXXX XXXX ( at XXXX on XXXX/XXXX/2016 ), he was really forceful in not listening or even trying to resolve the issue. I do not know what else to do in order to get this resolved, if the SUPERVISOR himself will not help me. The creditor have attempted several times to get my information back onto my credit report, but Transunion is being resistant.This is their ERROR for taking my creditor off my credit report, INSTEAD of simply verifying the correct dates. Transunion keep trying to tell me that XXXX XXXX ( the creditor ) are the ones who told them to take it off, which makes no sense, being that " they '' were the ones who first reported it on my credit for me ( this is a perk they offer to use their company ) .Also, I have extensive emails, showing where the creditor is trying their best to remedy the situation.
I am in Chapter XXXX. I have decided to sell my home and payoff my bankruptcy. On XXXX/XXXX/16 I asked for a payoff quote that I received and was good to XXXX/XXXX/2016 for the amount of {$88000.00}, which I agree with. 
The sale fell through. I now have a contract to sell the home and close on XXXX/XXXX/2016. On XXXX/XXXX/2016 I requested another payoff amount. It was sent and good through XXXX/XXXX/2016 for the amount of {$130000.00}. This is impossible. The difference is in interest and escrow advance. There is no way it has gone up over {$50000.00}. I have called them twice and get the runaround. They say it is being reviewed. 
Yes, I have been paying my house payments.
1 } EQUIFAX kept information on my personal credit report over 7 to 10 years ; also kept on placing accounts unrecognized by me as owned by myself, even a judjment not mine. XXXX cleared me on one account they kept putting back on me and they still would n't take it off. 

**See reports attached **FOR all this please see attached
Select portfolio servicing gave me a modification, They said after a successful mod, they would update my past due reporting to paid.

I made all payment on time to the aggreement.

They sold my account to XXXX XXXX, And now it still shows late payment for the entire time, Over 180 days late,
I have a mortgage with XXXX XXXX. I was behind in payments and was put on a loan modification program. I was told that when on this modification program I must make all payments on time and further credit reporting and collection calls will stop from XXXX XXXX. I made all loan modification payments on time per our contract. XXXX XXXX has me listed on my credit report as being 180 days late for XX/XX/XXXX through XX/XX/XXXX. I have records showing payments made on time. This was disputed through Experian and XXXX XXXX initiated a review. XXXX XXXX came back and agreed all modification payments were made on time as stated in the modification agreement. They refused to remove the 180 day late payment data as they said this was for the original loan payment amount. I was paying them the amount they asked for every month. They are holding me to my original loan amount which I was not requested to pay. I was told they are doing this so I can not refinance as they are making money off my loan. My payments and interest rate went up after the modification and I was turned into the credit bureaus for not paying on time. Can you help me to get XXXX XXXX to remove the late payment data so I can refinance and get away from XXXX XXXX? 

XX/XX/XXXX Loan Modification begin XX/XX/XXXX Loan Modification end Dates reported late : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( I have bank records showing all these payments made on time ) At this point XXXX XXXX refused to remove this data from my credit report even though they agree I made the payments on time. XXXX XXXX did not report late payments for the other months from XX/XX/XXXX - XX/XX/XXXX only the dates listed. Why only these months? This is random and confusing and they will not give me an answer as to why.