WillisBack/dataset-financial-user-claim huggingface dataset:
Both TransUnion and XXXX decreased my credit score within the last week downward by 12 & 13 points. The reasons reported by these agencies was that my credit utilization rate had increased from 9 % to 20 % WHICH IS SIMPLY NOT TRUE. 

I have three credit cards ; two with XXXX XXXX ; one with XXXX XXXX XXXX. My credit usage percentage is 9 % as reflected by both agencies own numbers. My total credit available actually increased by over {$2000.00} during the last 30 days to a total credit line between the 3 cards which is {$500.00} + {$950.00} + {$4500.00} = {$5900.00} credit limit. My total debt has not exceeded {$600.00} during the last 60 days, which would put my usage at about 9 %. I KNOW this because I Monitor my accounts daily and I herein challenge their numbers and DEMAND they be held accountable. 

Both agencies reported my credit balances incorrectly. While one card went down, the other went up slightly ; yet the bureaus reported both at their higher value as if they were that amount simultaneously -- which never happened. I invite you to pull my actual daily records from XXXX XXXX and XXXX XXXX XXXX and examine my daily credit balance against my credit line daily. It is not and HAS NOT been at 20 % during the last 60 days as these two agencies would have you believe. These two agencies took the high from two different cards on two different days and reported them as if the occurred at the same time -- which they did NOT. 

Because of their misrepresentation of my credit usage, both of these credit agencies lowered my score as stated above ; which hurts my ability to get loans at a better rate. I want this CORRECTED immediately. AND ... there needs to be some ACTION against such incorrect reporting. 

This is a prime example of the insidious nature in which credit bureaus artificially and purposely lower credit scores of consumers, affecting their lives negatively and without just cause -- except to benefit the financial institutions who Pay for the credit agencies. 

Credit Scores are held artificially low because such practices benefit the financial institutions that use lower scores to charge larger finance charges. 

ALSO, the exact mechanism by which credit bureaus calculate your score is held as a tight secret. Why should this be? There 's no reason to hide this information from the consumer. After all, it is the Consumer that bears the impact of these practices. Consumers deserve to be able to acurately and without guess work understand HOW their score is calculated and to know accurately how they might Positively affect their scores. This needs to be changed and veil of secrecy that only benefits the credit agencies lifted. 

Accurate credit scores could be utilized for the benefit of the consumer and financial institutions. However, scores need to more accurately reflect the overall financial state of the consumer. 

CFPB has done a wonderful job of exposing some of the injustices of our financial institutions relative to consumers and deserves immense credit for that work. I hope that will continue. 

Thanking you in advance, XXXX XXXX XXXX
Multiple ILLEGAL ROBOCALLS that have been reported to the XXXX each time yet nothing is done. I HAVE NO DEBTS so I know these calls are bogus and they come at times that are also illegal. The number the calls come from is XXXX from XXXX and XXXX debt collectors. I have never gotten a letter or any other information about any debt owed. Please do SOMETHING ABOUT THIS ILLEGAL BEHAVIOR!
On XXXX XXXX, XXXX, we filed for chapter XXXX bankruptcy, at the time we surrendered our house back to XXXX XXXX XXXX, previously XXXX XXXX XXXX XXXX owned our mortgage loan. In XXXX, during our chapter XXXX bankruptcy XXXX XXXX XXXX sold our loan to Nationstar Mortgage LLC on XXXX/XXXX/XXXX. Nationstar mortgage foreclosed on our house in XXXX of XXXX. Our bankruptcy was discharged in XXXX XXXX, XXXX. Now XXXX XXXX XXXX is reporting our mortgage on our credit report and Nationstar Mortgage is reporting it as a foreclosure in XXXX XXXX. Our credit score has dropped XXXX points since Nationstar Mortgage started reporting the foreclosure in XXXX XXXX. Please help us, this mortgage was included in our chapter XXXX bankruptcy and is the only reason we filed. It was our understanding that the mortgage loan was supposed to be marked in bankruptcy on our credit report. Our credit score has taken a hit with the Chapter XXXX bankruptcy ( the house loan was included in the bankruptcy ), and now we are taking another hit with the foreclosure reporting ( it is not being reported as included in the bankruptcy that has been discharged ). XXXX XXXX XXXX and Nationstar Mortgage are both reporting the same mortgage loan that was discharged in the bankruptcy on our credit report. I am attaching documentation supporting our bankruptcy. 
I am attaching several of our bankruptcy forms to support our story. We hired XXXX to help us with this situation and still have not seen results from any letters sent to the credit agencies. We do n't know where else to turn. We have spent many hours trying to get help with this situation. 
Our contact information is XXXX XXXX SSN # *********** XXXX XXXX SSN # *********** XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Email : XXXXXXXXXXXX XXXX loan # XXXX Nationstar Mortgage loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Thank you for assistance in this matter. 
XXXX and XXXX XXXX
Real Time Resolutions is reporting to the credit reporting agencies on a previously settled/paid debt with a different collection agency. Real Time Resolutions ( RTR ) is claiming to have an installment loan I previously had with XXXX. This installment loan was previously sold to a different collection agency ; XXXX. Real Time resolutions is claiming to have said loan when the loan they are claiming to have was already collected and settled between XXXX and me. I settled with and completed payment in XXXX XXXX. A settlement was negotiated with XXXX in XXXX by XXXX and myself.. the first XXXX payments were made as follows by XXXX with the remaining made directly to them by me as the was a disconnect between the agencies. The total settlement changed from {$2000.00} to {$22000.00} due to the mix up in payments. 

XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$1000.00} XXXX/XXXX/XXXX {$500.00} XXXX/XXXX/XXXX {$450.00} I received a settlement agreement letter from XXXX dated XXXX/XXXX/XXXX for a total settlement of {$2200.00}. RTR has no right claiming or reporting that I owe them, I have paid this debt and will not pay again on an invalid claim.
On XXXX,2016 I received correspondence from this company stating a debt was owed. The letter is dated XXXX/XXXX/2016. The letter states it is attempting to collect a debt on behalf of XXXX XXXX but does n't list the reason. Ex : unpaid rent, cleaning fees..etc there is no reason of debt listed. My rights have been violated in more ways than XXXX and I will be escalating to the XXXX and XXXX! For XXXX, FDCPA states you have 30 days from RECEIPT of the letter of such debt to dispute! The attached notice will show they sent the letter to an old address meaning it was forwarded. The letter itself is dated/mailed XXXX/XXXX/16 I was given less than 30 days to dispute or validate said debt. I was never given a final bill or breakdown as to the cause of this debt. On XXXX/XXXX/16 I sent an email stating I had no knowledge of this debt but if it could be verified I would be willing to set up a payment plan on reference to not having it placed on my report per the letter they sent me stating this as an option. However today I woke up and found that instead of a response to my email or allowing the allotted 30 days from contact to dispute they went ahead and placed this on my report anyways. I will be contacting an attorney if this is n't settled correctly. This is clear violation of rights! I have attached their letter, my email and my credit report reflecting the negative acct.
Between XXXX XXXX and XXXX XXXX I applied for a hardship loan modification at the advice of Citimortgage. The loan modification was to avoid home foreclosure of our home at XXXX XXXX XXXX XXXX, XXXX, WA XXXX. I had fallen about 11 payments behind on our mortgage over the course of 3 years was was unable to catch up. Citimortage advised us to apply for a Hardship loan modification to bring us current on the loan agreement, by which Citimortage would open a loan with the Housing of Urban Development ( HUD ) for  the amount past due that we would be responsible to pay upon the conclusion of the terms of the loan. I agreed and began the loan modification process. During the modification process Citimortgage required us to make trial payment ( TPP ) in the amount of the new mortgage payment for 6 months. During this same time each month that I made a trial payment, I became an additional month delinquent on the original mortgage, to the point that when the modification was finalized I became 17 months delinquent. This resulted in a 30 % increase in the total amount past due for a total amount of {$26000.00}. The Trial payments that I had made during this during that time was then categorized as " unapplied funds '' to the amount of {$11000.00}. These " unapplied Funds '' at the conclusion of the loan were then applied to " Escrow Advance Balance, {$1600.00} '', " Escrow Required, {$1300.00} '', " Accrued Interest, {$6200.00} '' and " Principal, {$2500.00} '' instead of being applied to the balance past due which I was led to believe. 
When speaking with Citimortgage in the matters of how the past amount increased to such a large amount, and how the " unapplied funds '' were used, I was told that the past amount was correct, the use of the unapplied funds were correct, and the math used to draw these conclusion were also correct. When I asked for a copy of the documentation to prove this, I was repeatedly denied.
I called Navient last year around approximately XXXX  XXXX XXXX to consider me for income based repayment. They told me to let my cosigner pay my bills. I talked to the collection department at XXXX. Then I called last week on XXXX/XXXX/XXXX to request copies of my promissory note because I was concerned about the recent interest rates hikes coinciding at the same time I am over paying to bring down the debt. I told Navient it is very suspicious that in the past my payments did not increase but when I start paying more, my payments increased. They told me it was due to " libor rate '' I asked why the libor rate was not used in the past but only when I start making extra payments. They said they will send me information on libor rate in the mail and so am still waiting for a copy of my promissory note. In less than 6 months my interest rate increased. In XXXX XXXX, the rate was 9.375 %. Then in XXXX XXXX it was 9.62 %, Then in XXXX XXXX it was increased to 9.75 %, Then in XXXX XXXX it increased to 9.85 %, then in XXXX XXXX increased to 10 %. It is intersting to note that this libor rate coincides with me trying to pay more than my minimum payment to bring down my debt. The rate at which this libor rate according to Navient is going, I personally do not see how I can pay down this debt. The more I pay, the more Interest rates hike by Navient.
By XXXX 2016 I restructured $ XXXX of personal debt to gain control over {$1700.00} of my income per month. In doing so I consolidated over XXXX debt instruments including credit cards and personal loans. I reduced the number of personal loans from XXXX to XXXX. I erased all of my credit card debt. After doing so I had some of the lenders outright lie about reporting to the credit reporting agencies after being asked repeatedly, some told me 90+ days to get it done, others reported to the credit agencies debts that were no longer valid despite providing pay off letters. As of today XX/XX/2016 I note on my Equifax credit report after XXXX rounds of disputes and almost failing to refinance my debt because of failures in the Equifax ID proofing services, that despite finally reading a {$0.00} balance on all my credit cards they still say I have a monthly minimum payment of {$220.00}. This is obviously in error. It is true that yesterday XX/XX/2016 I finally put {$400.00} on my credit card but that is not currently reporting and this $ XXXX monthly payment is invalid. It clearly is being factored into my FICO scoring as well. I 've tried to call them but there 's no process provided to dispute their own calculations. Not that the dispute process works anyway seeing that I 've had to sequentially dispute my report 3 times to get the balance to where it actually is anyway.
XX/XX/2018 was told I owed XXXX XXXX {$33.00} due to an old account when i called. When you go to their website and enter the reference number it says no record was found. So the gal that was extremely aggressive said if i dont pay with a debit or check over the phone my credit would be damaged and they will come after me. For {$33.00} come on I'll pay it but if your website is showing no reference then I am not comfortable giving someone my check info over the phone.
I am the XXXX of the XXXX XXXX XXXX XXXX XXXX ( XXXX ) which is the homeowner 's association of approximately 2300 homes in XXXX County, XXXX, Texas. We have had an ongoing Certificate of Deposit with Compass Bank since approximately XX/XX/XXXX. At that time XXXX XXXX was the President of XXXX and XXXX XXXX was the Treasurer. XXXX XXXX is still the Treasure of XXXX and is most likely the signer on this CD. I have enclosed a copy of our Board of Directors minutes showing that I am the XXXX and XXXX XXXX the Treasurer. We renewed CD # XXXX on XX/XX/XXXXfor two years. On XX/XX/XXXX, XXXX XXXX and I went to the Compass XXXX branch to move the CD to another bank. After waiting for over an half hour we finally were assisted and the employee told us that we do not have a CD with Compass. After pressing her on the issue, she finally stated that Compass has deemed the account inactive and had escheated the funds to the State of Texas. We asked how that could be as there is never any activity on CD 's with the exception of the regular interest deposits. She had no explanation. We asked who we could contact at Compass to follow up. She would only state that the funds were with the State of Texas and nothing more she could do. She also stated that they had sent a letter to XXXX XXXX informing them of this action earlier this year and that the funds went to the state in XX/XX/XXXX. I am retired from a 40 year career in XXXX and this stuck me as very odd. The employee was totally incompetent. We called XXXX XXXX, who is the management company for XXXX. They stated they never received any letters of such from Compass Bank and called the State of Texas Unclaimed Property Division and was told that they did not receive the approximate {$54000.00} in funds from Compass Bank. I tried to call Compass but one only gets a call center in XXXX, TX and its almost impossible to deal with those lower level employees. Finally I was able to talk to a supervisor, XXXX XXXX, who stated he would forward this matter to their corporate office, wherever that maybe! Thus far I have not heard anything further. So Compass claims they sent our funds to the State of Texas. The state claims they do not have them. We need to find out the date that Compass sent those funds, the amount sent and the manner they were transferred, ie wire, mailed check, ACH, etc. If the funds are indeed with the state we can access them back. However as a former bank I well know that somewhat inactive accounts are fertile ground for employee embezzlement and I would not be shocked if this were the case. We are finding it extremely difficult to deal with Compass Bank as no one can provide any additional information and they will not provide phone numbers or names to call with the exception of their Call Center which has minimal knowledge at best. Your assistance on this matter is much appreciated and I have attached various documentation to assist you in this very important matter.
I purchased a property at XXXX XXXX in XXXX Florida in XX/XX/XXXX. The seller used an attorney to close the transaction. 
A title search was done and title insurance was issued. 
This year XX/XX/XXXX, Bank of America starts foreclosure on my property stating that there was an outstanding loan on the property at the time of closing. There was not a recorded mortgage at the time. 
Evidently my former seller declared bankruptcy and Bank of America realized they did not record a mortgage on the property that I bought in XX/XX/XXXX. Without doing a title search to see that the property changed hands, they recorded a bogus mortgage on my property and is bullying me and has started foreclosure. 
Please help me. I have a XXXX veteran living in the premises and am concerned that besides paying excessive legal bills to defend myself, if I lose this house, he will be on the street. 
Bank of America knows this is frivolous and is trying to steal my house.
This company calls multiple times per day to my office XXXX and cell XXXX. I have answered and asked them repeatedly to stop calling ( see attached screenshot, all of the XXXX numbers ), but they insist I must give them my personal information or they won't talk to me. This is harassment and it must stop. I want both of my numbers marked as do not call immediately.
I have been paying for my student loans since XX/XX/XXXX and still have a balance of {$23000.00} ; they will not be paid off until XX/XX/XXXX and I would like them reduced or eliminated, since I worked or the federal government. I currently make two ( 2 ) payments to Navient via directly from my checking account, in the amounts of {$640.00} and {$74.00}, for Stafford Subsidized ; Stafford Unsubsidized and XXXX loans. Stafford subsidizes loans total {$8300.00} ; unsubsidized {$9200.00} ; and signature loan {$5700.00}. I went to XXXX XXXX University and obtain my XXXX XXXX and XXXX XXXX degree in XX/XX/XXXX. I am XXXX years old turning XXXX on XXXX/XXXX/XXXX and would appreciate some relief with this debt. Thank you, XXXX XXXX
I lost my job in 2015 so I put a lot of debt on credit cards. I then enrolled in a debt relief program, XXXX XXXX XXXX, and have paid off of the the credit card debt enrolled. The problem is, my credit has yet to recovery even though Ive paid all my bills ontime and have no bad accounts. 

Were talked below 600 credit score bad. I really need help with this. Its preventing me to live my life : (
WHATS NEW ... .I just talked to Chase Bank about the Fraudulant Application that was opened in my name which prompted a hard inquiry on my XXXX  Credit Report. I talked to CHASE they insured me they would handle this situation and even have the hard inquiry masked off my credit report. I accepted those terms just 10 days ago up until yesterday XX/XX/2018 where yet another fraudulant application was opened in my name again further damging my credit score. I am confused as to how Chase Bank ensured me they would handle this situation because they already let another application slip by them. So now its my turn to call the shots
This complaint arises out of a dispute I sent the collection agency after finding out inaccuracies in my credit report. To date, they have not sent a response to validate the debt. I believe this debt to be not mine but rather was obtained illegally ( identity theft ) by someone who used my name and social security number to obtain cable services. I have another complaint filed with another collection agency for the same original creditor ( XXXX ). I would like to get a copy of the original bill from the creditor so that I can move further with disputing the debt. Attached is the letter ( with attachment ) I sent to the collection agency.
REGIONS BANK : On XXXX XXXX, I deposited {$540.00} cash into an ATM, the ATM had an error and told me to remove my cash and try again later, but the machine just kept making a noise and never gave the cash back. So, I deposited another {$5.00} hoping it would fix the issue, but the same thing happened. I called hysterical ( it was a Saturday and the branch was closed ) and the CS rep assured me after filing a claim I would be credited my money and I was on XXXX XXXX. He said a tech would have to go balance the ATM and then they would return my money. On XXXX XXXX, the money was deducted from my account, making me have overdrawals. I stayed on the phone for over an hour and was only told that it looked like the ATM balanced after all, so I visited the branch. I asked for surveillance video or even a copy of the phone call from that Saturday, XXXX XXXX because the CS said he saw where XXXX transactions were attempted and he knew the amounts without me telling him. At the branch today, XXXX XXXX, they said they can only see back 30 days, so they can not view those attempted transactions and they looked at me like I was crazy when I asked for the video or phone recording. So, here I am over one month later with an overdrawn account and nobody can figure it out. They said maybe the CS from XXXX XXXX noted the wrong ATM and the wrong one was checked. In that case, why could n't the branch where the deposit was made check their audit and see that the ATM was over by the amount of my deposit??? I NEED MY MONEY BACK
I closed my account with Rushcard over 90 days ago with an outstanding balance of a little over {$60.00}. I was told that I would be issued a check for the remaining funds within 7-10 days. I waited 30 days and contacted them again, and was told the same thing. I never received my funds. I called after 30 days again and was told once again they would mail me a check or send me an activated card in 7-10 days. I requested that they overnight a check, because I do not want another card in which I will have to pay fees to use. I was told they can not overnight anything and I would have to wait another 7-10 days. This is unacceptable. They have already withheld my funds from me for too long and do n't provide answers or solutions when contacted.
Reporting inaccurate data on my credit report. A XXXX account is showing up on my report with this company listed as the collection agency, I 've requested debt validation and they refuse to send any validation. This account is not mine, instead they keep renewing the date to show as a new debt and never send me validation of the debt. A police report was filed and sent to them and still nothing was done.
my home was in the flood area of XXXX2016 in Louisiana. my business was down due to this, Chase offered 3 months off on payments, I took this offer, at the end they wanted all 3 payments plus the current payment in 1 month. I did not have it I asked if I could pay the current month and add the other 3 to the end. they said no but they had another plan a mortgage assistance plan that would refinance my mortgage, to qualify I needed to pay 3 payments on time, which I did then after the end I would sign papers and be up to date which is what  happened. at no time did they tell me I would be reported late on my mortgage to all the credit bureaus, I followed there plan and still was reported. I feel I was mislead the whole way, if at anytime they would have told me all the facts I could have at the time with my great credit rating that I have maintained all my adult life I could have gotten a loan at any bank. but they have now wrecked my credit and because I cant renew my current business loan I will lose my business at the end of the year. I tried to dispute the issue with them but was told that even though I was n't properly informed that theres nothing they can do, they even admitted that many others were having this same issue and the gentlemen felt that they should probably inform people better. I dint know if there is anything you can do to help but I sure need it. thank you XXXX XXXX