WillisBack/dataset-financial-user-claim huggingface dataset:
I pay for credit report access from  XXXX . They reported my score as  XXXX . I requested a loan and they reported an   XXXX   score of  XXXX . My bank offers free  credit score information. It said my Trans Union score w as  XXXX ,  XXXX   XXXX . Why the significant variations in my score? Why are the scores I paid for inflated or the scores reported to lenders undervalued? I feel like its intentional to offer me terms that would cost me more.
I applied for a mortgage loan with XXXX and XXXX XXXX. I have been rejected by both companies because they state Equifax has a credit freeze in my credit report. I called Equifax to find out why just to be given the run around. I have faxed my Drivers License and Social Security card to them twice. The 2nd time, I was sure to get a confirmation so they could n't tell me again they did n't receive it but that is exactly what happened today. They are refusing to give me any information as to why they have a freeze on my account and upon me stating I never asked for this freeze, they still will not release it. I have offered to email my drivers license and social security card to them since they lose every fax I send them but they will not allow me to do this. Today I asked to speak to a supervisor but the girl I spoke to denied transferring me to a supervisor even after I held on the phone for XXXX minutes. She said her supervisor would n't allow it
Sent certified letter telling them to stop calling me and they are still calling XXXX times a day. This debt is from XXXX.
I have been trying to understand the terms of my student loans from graduate school. The loan originated with XXXX. It was purchased by another bank, then XXXX XXXX and now Navient. When I looked at my account, the interest rate remains the same but now the end date is XX/XX/2032. I attempted to call the XXXX XXXX XXXX and before that this morning I called Navient directly. For both calls I was unable to reach a manager and was informed the agent is offshore in the XXXX. No one can tell me the details of my service loan and it has been purchased many times.
I have been struggling to repay my student loans off. I am currently on an income based repayment plan.I am unemployed due to circumstances I could not control. My payments are currently set for {$0.00} per month and the total balance due is over {$36000.00}. This is great however every month I occur interest charges for high amounts that add extra to my total balance as they pile up over a years span. In the process it is causing my credit to dramatically decrease every month. I also went into default once and it was n't on my behalf and this caused my credit to plummet at the time and it took me a while to get my credit back up. I have been unable to purchase normal necessary items for years causing stress in my life on top the money that I owe for the loans. I have been through different repayment plans such as forbearance, income-based and deferment none of these plans are helping me to relieve my debt, it is honestly making it worse and me and my XXXX children are suffering in the process. I have been offered a forgiveness program but it wo n't take effect for another twenty years. I need debt relief now!
A little over a year ago I notice a Ch. XXXX Bankruptcy appearing on my credit report. Ref # XXXX. I contacted the credit reporting agencies and advised them that this information is incorrect. I have not file a CH.XXXX bankruptcy. The credit reporting agencies disputed the filing and reported back to me that the bankruptcy had been verified, not with the court but a third party company. A couple months ago I was able to tracked down one of the third party companies that Equifax uses, XXXX. I contacted their customer service department and was advised that they do n't verified that the information in the case is accurate, they only verified the case number, name, and address. They directed me to the Federal Court that the case was filed in. I call and spoke with the XXXX Oh Federal Court Clerk of Courts to get some information on this case. I was advised that they do n't show ANY information regarding this case other than a case number which appears to have been filed in error. I asked the court to send something to the credit reporting agencies. They advised me that they do not report nor deal with credit reporting agencies or any third parties WITHOUT the credit reporting agency or third party filing a motion to release information which a judge has to sign off on? If that 's true, how in the world are these credit reporting companies claiming they verified this information without talking to the source? They are hiding behind the third party knowing that the third party only verifies case numbers??? This is beyond crazy! I 'm requesting that Equifax, XXXX, and XXXX file the proper paperwork with the court and update my credit report with the correct information. I have already proven in the past that these 3 companies are known for saying they have investigated and verified information only to find out they did not. ( EX. XXXX XXXX XXXX CFPB # XXXX ) They claim for months they verified that incorrect information and refused to reinvestigate even as early as two weeks ago. How did that turn out? I 'm not asking for anything but to have the correct information reporting on my report. I did not file a CH.XXXX bankruptcy in 2012. According to the Federal Court, that case was filed in error, something as easy as typing a wrong number in the social number or last name could had trigger the error. Please remove at once or provide the full case information that would include my picture ID and copy of my social security card. Thank you
RE-INVESTIGATION OF CHAPTER  XXXX  FILED IN   XXXX      XXXX   XXXX   DISTRICT COURT AND ANY ACCOUNTS ATTACHED TO THIS CHAPTER  XXXX . SOMEONE STOLE MY IDENTITY AND OPEN UP ACCOUNTS IN MY NAME AS WELL AS A CHAPTER  XXXX  BANKRUPTCY THAT WAS FILED ONLINE ( PRO-SE ) I DID BETTER INVESTIGATION THAN THE CREDIT BUREAUS AND FOUND OUT THIS CHAPTER  XXXX  ( FRAUD ) WAS FILED 1. ) ONLINE 2. PRO-SE ( NO ATTORNEY ) 3.   XXXX   XXXX   NEVADA ( I NEVER LIVED IN NEVADA ) 4. THESE ARE THE ACCOUNTS THAT WAS ATTACHED TO THE CHAPTER   XXXX   IN   XXXX   XXXX   DISTRICT COURT.
  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   I RESEARCHED EACH AND EVERY ACCOUNT BY CONTACTING THESE CREDITORERS ALL EVIDENCE AND INFORAMTION CAME BACK TO SEVERAL   XXXX   XXXX   NEVADA ADDRESS.
4  XXXX   XXXX   XXXX   XXXX      XXXX   XXXX    XXXX    XXXX   XXXX     XXXX   XXXX      XXXX   XXXX   XXXX     XXXX   XXXX   NEVADA   XXXX      XXXX   XXXX     XXXX   XXXX   NEVADA THE MERCHANDISE THAT WAS RECEIVED FROM   XXXX   XXXX   WAS SHIPPED TO   XXXX   XXXX    NEVADA AND ALSO SAME WITH   XXXX   XXXX  
THE CHAPTER  XXXX  IS NOT MINE AS WELL WHICH WAS FILED ONLINE IN   XXXX   XXXX    NEVADA DISTRICT COURT AND ALSO THERE WAS A VEHICLE INVOLVED. I HAVE PROVEN TO THE BUREAUS THAT THIS WASNT ME. I PROVIDED THE FOLLOWING TO EACH CREDIT BUREAU.
1. 17 YEARS WORTH OF ALABAMA ID ISSUED DRIVERS LICENSE 2. ALABAMA STATE TAX RETURNS 3. RENTAL LEASES FROM  XXXX    XXXX   IS THE ONLY BUREAU THAT HAS REMOVED ALL THESE ACCOUNTS AS WELL AS THE CHAPTER   XXXX    FROM MY CREDIT FILE. I HAVE FILED POLICE REPORT IN MY CITY AND SURROUNDING CITY DUE TO THE FRAUD ACTIVITY ON MY CREDIT REPORT. THIS IS IDENTIY THEFT IN A STATE WHER EI NEVER EVEN VISIT. PLEASE RE INVESTIGATE AND REMOVE FROM MY CREDIT FILE
In XX/XX/XXXX I received a collections notice of unpaid balance for {$120.00} to XXXX XXXX XXXX from Collections Company Grant Weber. My research showed I paid this through my HSA account. I called XXXX ( HSA account ) and was provided documentation this was paid. I contacted XXXX XXXX, and they stated they would investigate. I never received any further update until XX/XX/XXXX when I received an alert from XXXX of a credit hit. I reviewed this entry and found it was for this amount and Grant Weber for collections unpaid. I contacted XXXX XXXX again, and was told since the debt was sent to Grant Weber I was not able to talk to them. I escalated this with repeated calls and faxes. While attempting to get to the correct person ( over a period of a few weeks between " early XXXX '' and XX/XX/XXXX, on XX/XX/XXXX I received a check in the mail from XXXX XXXX ( not XXXX ) returning my {$120.00}. I followed this up with more faxes and documentation. On XX/XX/XXXX, I was contacted by XXXX at XXXX XXXX. We reviewed all the details and documents. She was satisfied the check was incorrectly handled on the " XXXX '' side ( should have went as written to XXXX but someone deposited to the hospital ). XXXX stated she would handle Grant Weber collections. I received a letter but they still hadnt removed the credit report. I attmpted to contact them and again requested XXXX to assist. Then I received today still another credit hit ( posting ) from Grant Weber. They do not return phone calls and continue to harass me with credit reports destroying my good credit rating.
I have tried several times now to get my credit report from Equifax and they keep refusing to let me see it online. I was able to get the other XXXX, XXXX and XXXX, so I do n't understand what the problem is with Equifax. I understand I should be able to get a free report annually, which is what I am trying to do. This is not right or fair, so I would appreciate your help. 
Thank you,
I have received a check of {$1900.00} from a company on Thursday, XX/XX/XXXX and i deposit the next day in my bank of america account on XX/XX/XXXX and they said {$300.00} available that day and the rest of {$1700.00} available to me Saturday XX/XX/XXXX.

The check was fraud and bank notified me on XX/XX/XXXX and i already used the money for this company buying XXXX cards of {$1900.00} on Monday XX/XX/XXXX. THE BANK WONT GIVE ME THE MONEY BACK. I WAS NOT AWARE THAT THIS CHECK WAS FRAUD.
my credit at Chase, XXXX, and XXXX XXXX all had decreases in credit limit for what they say was for a change in credit score, I bought a house and I have a long history with Chase and have always paid my balance, and I have n't even been late on any payments for the last XXXX months, never late with a payment on either of the cards. Im a new customer at XXXX and XXXX but I have never been late and paid the balance at the time of he decrease. I had not even used my XXXX card for months, then about XXXX weeks ago I go shopping and spend about half the balance, still not missing any payments, and paying a XXXX payment at the same time, but today I get a letter saying they have reduced my credit for XXXX reasons listed on letter and no specific reason was given, stop the credit card companies from reducing our credit for what they feel is a change in your credit picture although you pay on time
The company made more than 1 call with contact to myself. They also threatened to report to my credit even though the account was not past due more than 30 days.
I am trying to buy a property to live in. I have contacted US Bank Many times with information on pay off date from a foreclosure I had in XX/XX/XXXX. A date is on the County Trustee Deed on public record in XXXX XXXX, Utah. but ... still they will NOT supply me with any date. As a result I can NOT get my loan and I am losing the said property. Now, they are reporting it on my credit report as XX/XX/XXXX. This is completely wrong and needs to come off my credit report immediately. Also ... US Bank faxed a letter to my lender stating that the account is paid in full but ... will NOT provide a date.
XXXX 2015 I remedied a judgement by paying the satisfying amount. I read all disclosures and signed all appropriate documents and the process went smoothly so I thought. I went to my local court house to check if the judgement was indeed satisfied and they confirmed it was. Several month later I noticed on XXXX XXXX a delinquent derogatory report, I desputed this and XXXX XXXX confirmed it was resolved. 2 months later, my wife and I apply for a loan to improve our house and we are denied the low APR rate because of this judgement that I resolved almost a year ago. I feel penalized and treated unfairly. I have been told false information by XXXX XXXX of this being resolved, when it has n't been and again feel I am being held back on an opportunity for a lower rate on a loan that I would qualify seeing this was appropriately remedied!
As I described in a earlier complaint XXXX about XXXX and their unfair reporting by allowing ANY ONE OR ANY BUSINESS ENTITY CHECK MY PERSONAL CREDIT WITHOUT MY CONSENT OR KNOWLEDGE THE COMPANY STILL ALLOWS THE INQUIRY TO STAY ON MY REPORT FRAUDENTLY. I had to go to the local police agency and file a police report on fraud that these inquiries were checked without my consent or knowledge. I had to fax in a cover letter and the report and the listed complaint number I made with this agency on XXXX 's unfair business practices. Now, this complaint is on Experian and is even worse of a business practice. I called XXXX today on X/X/17 and told her the way XXXX fraudently checked my personal credit with out my consent or knowledge and that i did not even know the other company springleaf financial services at all what so ever and that from my past experience with XXXX I needed to obtain a fraud police report indicating that these were on my hard inquiry as fraud and needed to be removed asap because these false inquiries lower credit scores. I was told by XXXX at the Experian fraud department that I would have to go ask the companies in question to remove these inquires. I told her I have and have spent hours on the phone with XXXX and called XXXX XXXX and XXXX just put me on hold and switched me from department to department ultimately they hung up on me. XXXX when I called said they knew nothing of me and they could not do a thing to help me because a signature or some kind of authorization would be needed and I was not able to be found in thier system. So, Experian will not accept any other method of removing these fraudently made hard inquiries with out XXXX OR XXXX FULL CONSENT TO DO SO. I have to admit this is very very bad in light of all the idenity theft and abuse going on. I would like this Federal agency to refer this to the FTC ON BOTH XXXX and Experian on thier bad and unfair business practices. What I mean by unfair is that since anyone or anybody can pull anyones credit without consent or any penlity and hurt and diminish the innocent and now a victims credit score is very unfair to say the least. Please investigate Experian and XXXX on these unfair and bad business practices. the only thing I noticed the credit reporting agencies will do is sell the victim a idenity theft package for money and protection. I think that since these reporting agencies know and allow this unfair behavior go on and do nothing about it, they should have some obligation to validate the truth and what or who is trying to check and pull credit reports. These reporting agencies sure have alot to sell you, so maybe that is why they do not do a thinf to help you when the tax paying citizen becomes a victim.
Repeated calls from men with heavy hard to understand accents ( communication tactic ) saying " we are from ACT calling for ( ) '' When asked who they are 'ACT about the school '' leading XXXX to believe it is ACT collegiate testing calling. 
No disclosure of debt collection, just asks for a payment.
XXXX and Transunion are reporting me as 120 days past due on the XXXX XXXX XXXX and XXXX - partial account number : XXXX. These accounts have a {$0.00} balance and {$0.00} past due. This is harming my score. I have disputed this directly with the two bureaus but the coding has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
I took a loan out with Lending Point in XXXX of 2018. I have been paying the loan but the date due kept escalating. I sent an email to customer service asking for a set date. I received a response and was told that in order to have a set date my payment would increase. I agreed to this adjustment and signed the necessary paperwork via XXXX. I was informed my new payment would be due on the XXXX of every month. 

I then received an email for that next month saying my payment was delinquent since prior to me adjusting my loan the payment due date would have been the XXXX of the month and this would have been then XX/XX/XXXX. I replied to the email that I had locked in my loan and the payment was now set to draft on the XXXX of every month. 

Two days later I received a call from a woman at XXXX XXXX stating that I was delinquent and I must make a payment. I informed her that I had already responded to an email that was sent to me regarding this issue and that I now had a set date for my payment to be withdrawn monthly, on the XXXX. She acknowledged that she had seen the payment was set to be taken out on the XXXX. She asked who I sent the email to and when I went to look for the email, our call was disconnected. 

I then sent an email to the woman I initially made the change with to confirm that my payment was to be taken out on the XXXX and she acknowledged that it in fact was processing the withdrawal and she wasn't sure why anyone would be calling me. 

Three days later I receive a phone call from my son telling me that this same woman ( he confirmed the actual number ) was calling him telling him that she had to get in contact with me and that it was a very urgent matter. This woman spoke to me, acknowledged my payment that was scheduled but yet continued to dun me and to call my emergency contacts and causing problems for me that she had no right to under the fair debt collection practices act. 

I have called the company to discuss my disgust regarding this matter and the fact that something must be done as she was trying to bully me into making additional payments that were not due. I was promised notification of resolution to this matter but have received none to date. I am hopeful that you will be able to assist me in resolution to these unfair practices by this business.
CRA VIOLATION NO KNOWLEDGE INACCURATE XXXX  XXXX ACCOUNT # XXXX APPEARED ON MY EQUIFAX CREDIT RE [ PORT. FTC ID THEFT REPORT # XXXX
I chose to close a bank account with FirstMerit Bank located in XXXX XXXX, WI. When they gave me the document to sign it showed that only XXXX remained in the account. I asked how that could be and was told of a inactivity fee of XXXX per month. I was totally unaware of this fee. 
I was told by a customer service person that they send out a notice each month when the account is ready for viewing. I told them I have never received any such email. I did check the account a couple of years ago and the amount shown matched my checkbook balance. I usually come up to Wisconsin for a couple of weeks each year. I did not come up last year due to a death in the family otherwise I would have closed the account a year ago. 
The customer service person said " I wish you had not closed the account, now there is nothing I can do ''. I said that makes no sense and I will pursue the issue.
I received a letter from the law office of XXXX XXXX XXXX on XX/XX/XXXX. I XXXX  the address provided on the letter, and the address was permanently closed. I called the number provide on the letter, and they gave me an address to send a letter to request validation of debt. I sent a validation letter on XXXX XXXX. USPS tracking : XXXX XXXX XXXX XXXX XXXX XXXX. I never received anything back from them. On XX/XX/XXXX, an agent from XXXX and I called the law office and they refused to verify my debt and remove it. The lawyers office is refusing to communicate with me or provide validation.
Multiple phone calls including auto-dialing occurs daily. Even prior to being considered 30 days delinquent with a payment. My references are called for collection purposes and my job was being called multiple times a day ( even though I did not provide the number ). With all of the calls I receive, there is also a voicemail message. Prior to me asking them to no longer call my job, I was receiving daily voicemail messages at work seconds after a message was left on my primary line.
Dear all, This is to inform you that I have scheduled a fund transfer to XXXX through western union money transfer on XX/XX/XXXX. The company has promised through a written email that the calculated amount will credit to the receivers account by XX/XX/XXXX8. Though the amount was required for an urgent medical related issue in my family back in XXXX, I have agreed this terms. Unfortunately, till todays date, XX/XX/XXXX, the money has not credited into the account, and also the company 's customer care department is not able to give any satisfactory information about this money transfer. I have been contacting them for a while and all the customer care representative provides different answers/suggestions/comments about this issue.

It has been a sad situation for me and my family about this issue, because the money transfer is not served it purpose. 

Thanks,
I recently sent XXXX letters over the last XXXX months and I do not feel as though Experian has helped me the consumer at all. I even sent them proof that the XXXX account was paid in full and they have not bothered to update this account for me. I do not feel as though they have even bothered to investigate the accounts that I have questioned. They have not bothered to send me an updated credit report either.
There was a small charge on my Banana Republic Credit Card that I never received a bill or a statement for and was reported as a hit to my credit score. When I finally received notice that I was severely overdue and had been reported, I paid the charge in full and cancelled the card. I work hard to maintain my credit score and do not want it to be damaged because of a charge I was never properly informed of. The delinquent amount was for less that {$50.00}.
Home foreclosed upon in XX/XX/XXXX. Settlement received for improper foreclosure in XXXX Credit report not reflecting improper foreclosure.
I have contacted Equifax over 50 times about the fraud alert and all the information on my report that was n't authorized by me. I have been yelled at, called a liar, hung up on, the staff over seas have put in information that was mine but they said that I disputed, the company say 's I have n't responded but I have. I also have recordings of every single phone call to support the proof of the abuse I 've received for trying to fix a problem that I did n't cause. I have spent so much time and my own money trying to resolve this. I filed a fraud alert with the Federal Trade Commision and I mailed it in, they said they did n't get it so I faxed it in. I have proof they got it but they are still denying it. I 'm at a wits end with this company. How are they allowed to keep attacking consumers and treating the people that actually have been a victim to fraud with such disrespect?
On XXXX/XXXX/2016, an unauthorized ACH posted to my TD Bank account in the amount of {$2000.00}. I went into the bank on the day it posted and signed a dispute claim. Three weeks later, I saw that the money was still not refunded to my account. I called TD Bank 's fraud department to get a follow-up, and was told that the dispute had been resolved in the other party 's favor because the other business claimed I had in fact authorized the charge. The member of the fraud department to whom I spoke could not give me any information regarding the entity that debited my account, what evidence had been provided suggesting that I had authorized this ACH, or tell me what else I could do to get my money back. 

Imagine that your bank account is debited {$2000.00}. You go into the bank and tell them that you did not authorize the dispute. Three weeks later, the money is not back in your account, and when you call their fraud department to inquire, they tell you that you are n't going to get the money back and that there is simply nothing else they can do to help you. This is what TD Bank has done to me.