WillisBack/dataset-financial-user-claim huggingface dataset:
Today, XXXX XXXX,2017, Experisn made changes to my report that resulted in a 56 point drop in my score. When I called no one is able to tell me why. One account was reinserted XXXX. The account was deleted and should n't have been reinserted because they failed to reply within 30 days. Irregardless, that should n't have resulted in s 56 point drop in my score. Moreover, the drop in score came one day after I inquired about refinancing the XXXX car loan for a cheaper interest rate from a bank that uses the Experian credit score.
I have credit inquiries on my report that I do n't recognize. 
For example, in XXXX I have the following : XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX and so on.
I found out that the comapny was reporting to the credit reporting agency on XXXX, XXXX the company has not followed the federal law in regards to section XXXX of the FAIR CREDIT REPORTING ACT 606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] ( a ) Disclosure of fact of preparation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, 606 - 15 U.S.C. 1681d XXXX general reputation, personal characteristics and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section XXXX.
This company is at this point defaming my character. I have Sent ID theft letters and they are failing to validate the in formation in which they are trying to collect. I have been at this for several months. Trying to obtain any LEGAL validity that the allege Inquiries are mine and they sent back a generic statement. I was a victim so that's inaccurate and under the FCRA and FDCPA laws. this information has to be removed. as it is preventing me from normalcy after the ID theft Storm
I opened a new business account in XX/XX/2016 and was offered a bank business credit card with a 0 % interest for 6 months linked to my business account. I had late payments twice but on both occasions paid within one to two weeks of the due dates. 
The interest rate on the credit card was raised to over 27 %.
XXXX XXXX XXXX has been harassing me about payment for an account I have never missed a payment on. They are handling a account from XXXX that was the result of partial fraud. They were informed of this when taking on the account. XXXX covered the full amount of fraud on the debit card I had with them and my banking account that was associated with it. I in turn agreed to make payment on the XXXX Credit Card. The company agreed to a payment of an amount each month. I have made these payments without issue every single month. And yet I get continously called by them and I only get calls at XXXX or later although I have informed them I do not want to receive calls after XXXX. When I inform them of this they say " if you do n't want calls then find a way to get the amount paid '' I tell them that I do n't understand why I receive calls monthly when I have NEVER missed a monthly payment nor is there a due date set for each month and they state they will just continue to call. The company ultimately has no reason to call or to call later than I have requested and yet they continue to and ignore my request for earlier calls. I can send XXXX XXXX XXXX the statements from XXXX. I should n't be threatened with continuous phone calls for an account I ca n't even make statements without the representative yelling at me.
I am writing to file a complaint against Portfolio Recovery Associates XXXX XXXX XXXX, XXXX, VA XXXX in regards to a collection account listed on my current credit report and thus has been for the last 2-3 years. PRA, llc obtained this debt somehow unknown at the time from XXXX XXXX who is listed as the original creditor on the account. Upon noticing the collection back in XX/XX/XXXX, I contacted the company and the credit bureau to dispute the debt. Over the last 2.5 years, I have disputed this account maybe 5 times and each time the bureaus XXXX and XXXX stated it was verified. The account will show closed, then reappear on my report months later as a new collection account dropping my score each time. I requested validation of debt from portfolio recovery last year XX/XX/XXXXand was provided a few credit statements from when the account was open which in fact was approximately 3 months according to XXXX XXXX. I tried working backwards and contacted XXXX XXXX in XX/XX/XXXX, provided documentation requested and had the account deleted for Identity theft yet PRA, llc refuses to follow suit of the original creditor and delete for identity theft. The FCRA requires the debt be validated within 30 days and if they can not validate ( not verify ) debt, by LAW it must be removed.I recently disputed the debt again XX/XX/XXXX via XXXX and XXXX and once again it came back verified so today XX/XX/XXXXI called XXXX and spoke to XXXX XXXX and requested the documentation used to verify this account over and over be sent to me as required by law. XXXX, who in fact admitted on recorded line, stated that they have '' no documentation that is used to verify the account is mine, we go by what the creditor states '' I informed XXXX that XXXX was in fact in violation of the Fair Credit Reporting Act which states " disputed items can NOT appear on my credit report if they can not be supported by any evidence. '' A creditor simply stating the debt is in fact mine is not supporting evidence that will hold up in the court of law. My attempts to validate the debt from the 2nd creditor have been insufficient, and my attempt to verify from the bureaus have been insufficient and thus this debt is being inaccurately reporting to my credit report for years now illegally and I wish to have it moved ASAP! Upon contacting the original creditor, the debt was deleted a few years ago for Identity theft and by Law. Because a collection account is treated as a continuation of the original debt, it will be deleted at the same time as the original account ~per XXXX ; Original account was deleted in XX/XX/XXXX and I am seeking this continuation account be deleted as well
I have repeatedly asked XXXX simple questions and have received XXXX pages of paper work but have not received a truthful answer from XXXX XXXX. She refuses to seek the truth and give a truthful answer. 

1st Provide me with legal documentation that XXXX XXXX was served with a Lis Pendes at his residents from your attorney. You keep providing false documentations. and Wells Fargo supports and improper foreclosure proceeding denying a XXXX yr old XXXX Veteran his right to contest your actions in court. 

2nd A simple question just answer why there was XXXX different reason for denial. If Wells Fargo or the HAMP program only grants XXXX in a 5 yr period that should have been stated in the first applications. 
Simple questions which only require XXXX line answers not XXXX pages and 45 days to reply. 
I have spoken with XXXX XXXX and have asked her to contact her attorney to give proof tha XXXX XXXX was served at his residents not the rental property in question. She has not returned my call in weeks.
A request for a short sale was submitted prior to the seven days needed for to be reviewed before a trustee sale date. The short sale requests was rejected due to insufficient time, even though I have evidence it was in prior to the seven day that 's required. I also informed Ocwen there e-mails and faxes were getting kicked back,
When I placed this item I didnt see belt any where all I saw was ring so I thought its a jewrlry ring Also I didnt know Nordstrom rack charge shippings fee under {$100.00} not only I ordered a wrong merchandise now I have to retune it and still cost me This isnt right
CapitalOne is requiring current customers to verify income and employment status prior to accessing its online account information. The text below appears, along with other text, after logging on. There is no option to skip this step. I do not want to disclose this information nor am I required to disclose it, but CapitalOne makes account access impossible without disclosure and acknowledgement that the information is correct. They did the same thing a few months back. I called and complained and soon was able to log on without disclosing this information. 

" Income and Employment We use income information for ongoing card account management purposes, which may include consideration for a future credit line increase. 
Total Annual Income* You may include : 1. Personal income, which is income you have earned, including full-time, part-time, or seasonal jobs, self-employment, interest or dividend, retirement, and public assistance. 

2. Shared income, which is money from somebody else that is regularly deposited into your individual account or into a joint account that person shares with you. If you are 21 or over, you may also include somebody else 's income that is regularly used to pay your expenses. 

*Alimony, child support or separate maintenance income need not be revealed if you do not choose to have it considered as a basis for repayment. 

Employment Status Employed Open or Close Dropdown Continue By clicking on the " Continue '' button above, I acknowledge that all of the information above is accurate. ''
I have had a loan with Bridgecrest formerly XXXX XXXX Since XXXX, and a lease prior to that. I got behind in my payments due to my husband being hospitalized. I was reached out to by Bridgecrest by XXXX XXXX ( I have emails attached ) stating that she could help me get back on track, and I needed to make a payment by the XXXX of XXXX. I emailed her back stating that would be wonderful and made the payment as directed. I received another email from XXXX at Bridgecrest saying they had not heard from me and I owed a past due balance. I called Bridgecrest a total of 8x now for XXXX XXXX who said she would have the agreement finalized by today XXXX/XXXX/XXXX. I reached out to her again a hour ago and was told she would call me back within ten minutes. I have done what was requested of me and now am getting the run around. I just wish that Bridgecrest would tell the same story twice and be accessible. This is the not the first time I have had issues with this company.
XXXX XXXX is reporting derogatory on my credit report, for a XXXX balance account dated back in XXXX, refusing to remove via giving the run around on the proper channels to take to have it removed. 

XXXX XXXX sent loans into default after allegedly not being able to reach me on several occasions, I was not made aware of these finding until enrolling in college XXXX, After being notified of these findings, I immediately contact XXXX XXXX with concern, was under the impression the loans were in forbearance, but the rep told me something different, was told The time my loans were in forbearance was XXXX for 30days, which would have been unreasonable for me to do,, since I had fallen on Hardship for since XXXX. 
I Explained to the Rep if that was true why am I now being sent to the default statues 1yr and 4-5months later? when the allotted time after a missed payment or no further action to put the loans in any type of repayment plan is 270days. 
I Take Full Responsibility of the debt I myself agreed to and since being notified of the default findings I have worked with the Dept. Of Education and is now currently on a Rehabilitation Program. 
upon pulling my Credit Report I also found that the derogatory remarks are reporting on my credit, now I am aware that govt loan can be collected forever but after 7 years the negative remarks suppose to be removed, to my finding the delinquency dates of these loan are very inaccurate and untrue, and have requested on multiple occasions of payment history and source of payments for the accounts and this issue has not been resolved
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
I opened a XXXX XXXX account, XXXX XXXX and a jcp penny account only for {$250.00} and {$300.00} limits, I only used the cards once and I paid the balance off. In the mean time I had them calling me saying I still owe money and that I actually have two accounts with them for incorrect limits of {$400.00} and {$800.00} then they gave me an incorrect address other than mine on file and were very confused when I explained to them what happened they in fact added accounts or someone submitted a fraudulent account/s in my name because I did not open those accounts and I paid my cards off I am so confused and frustrated I've called these company 's over and over again and even when hurricane Irma effected us we were unable to pay off our credit cards because we were directly hit and they all told us it was too late to file so we are swallowed in debt by companies who do not treat us fairly and we have XXXX children my husband is a veteran and we will be homeless in 6 weeks because our credit score is  effected dramatically and we can't buy a hous or even rent
I have requested for Experian to remove an obsolete Federal Tax lien from my credit report several times. They refuse even though I have supplied them with the appropriate documents to show that the item should be removed. I do not like having to file complaints but this item is really hurting my ability to obtain credit and I have made several requests for removal with no change to my credit report.
Qualified Written Request under Section 6 of RESPA - Mortgage Information and Error Correction As a Qualified Written Request under Section 6 of RESPA - Mortgage Information and Error Correction, I am writing to request the following information described below in regard to the mortgage on my property. 
1. Full monthly accounting information of my loan servicing since XX/XX/XXXX, including the following : Transaction dates, transaction amounts, Code, Category, Due Date, Total, XXXX XXXX, Interest, Insurance, Escrow, Late Charges/Fees, Advance, XXXX, Back Date All principal, interest, escrow, property taxes paid, hazard insurance premiums paid, and loan balance calculations ( including yearly escrow analysis for the past 3 years- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) All payment information and accounting ( including chapter XXXX trustee payments ) and how they were applied to the balance of the loan Yearly loan interest calculations from payments made during the last 3 years ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) A corrected XX/XX/XXXX Form XXXX - mortgage interest, showing the correct mortgage interest amount that I paid during that year Calculation of current home loan arrearages, including any escrow, payment, hazard insurance and late fee amounts. Your automated phone system states I have a {$6300.00} arrearage balance. You have not applied my payment of {$1100.00}, received in your office on XX/XX/XXXX to my account balance. Please apply this payment immediately. 

2. Home retention and foreclosure prevention information, including loan modification applications, and any and all other paperwork, applications, or programs that I might be eligible to participate in to avoid foreclosure. 

3. An explanation as to why you have recently removed my loan payment information from all XXXX credit reporting bureaus. 

4. An explanation as to why I am unable to view any and all loan servicing account information including : principal, interest, balance, escrow analysis, and payment information at www.ditech.com, as well as on monthly statements mailed to my home address from your company.
My business checking account with Citi Bank was closed with 30 day notice by letter. The letter stated XX/XX/XXXX was the last day the account would be active. No other information was given as to why the account was so promptly closed and without other communication. 

Before the account was closed ( XX/XX/XXXX ), I called to see if this was a mistake and found it was not. I was told the account was closed due the amount of cash being deposited on the account. I asked if I could write a check for the balance to clear the account and was I told I could as long as the check was cashed on or before the XX/XX/XXXX. 

I wrote a check for the balance on the account and it was cashed XX/XX/XXXX. I found out the following Monday the check had bounced despite what I was told by the banker on the phone. I again called Citi and was told even though the check had been cashed on the XX/XX/XXXX the bank to bank clearance didn't happen until the following Monday when the account was closed. At this point, I was told I would be sent a cashiers check for the $ 51,000+ balance on the account. It was also stated that if I went into a branch and answered some questions there was a chance I my account would be reopened. 

Next my business partner went into the branch to see if our account would be reopened and to see if we could get a cashiers check in person. The cashiers check in person immediately was important as we wanted those funds for business operations because we had written a bounced check to pay an invoice based on the misinformation the bank had told us. My business partner was told the account would remain closed and that a cashiers check had already been sent and would arrive to the business address in less than 10 business days. 

At this point we waited patiently for the check to arrive. The 10 business days came and went without the arrival of any cashiers check from Citi. On the 11th business day we called Citi and they said they didn't know where the funds were and there was an investigation. I was told to call a investigations number regarding the issue and give our case reference number to XXXX. I've called this number and left a message everyday with XXXX and I have not received a single call back. I've also called the customer support line several times and left messages with the branch and have not received a call back. 

This has been an incredibly frustrating and painful experience. As an emergency, I've had to personally go out of pocket to fund my business because we did not have the operating cashflow due to these missing funds. 

At this point my property has either been lost or stolen by the bank and I can't get anyone there to even give me a reply or straight answer regarding $ 51,000+ my funds I trusted to hold under their custody. Damages to my business continue to incur. What a nightmare! Please help recover our money!
This is in reference to a previous case XXXX regarding ChexSystems. 

I would like to clarify my dispute for this company I placed a security freeze on file with chexsystems last year. The reason for this is credit unions are generally used for credit products but require a share into savings. Sometimes if just wanting an auto loan or credit card or loan product will allow you to continue with chexsystem frozen because they run your credit through a bureau. 

My dispute is quite simple. 

During the time the report was frozen, you are still recording inquiries as if they viewed the chexsystems file. I understand the data was not shared but because you are recording the inquries under " inquiries viewed by others '' it impacts my file. 

Lets say I decide to unfreeze and the next CU I apply at reviews my file. They will then see all these other inquries into my chexsystem file because they are under that section while in reality they did not even see my chexsystem file. In addition, inquiries are calculated into your score which according to FTC, while in a security freeze this will have no impact to your score. If you want to keep record of it that is fine however this needs to be put under the section only reviewed by you. Which is 100 % true since those companies were not able to see my file. 

Finally, many pulled multiple times because they were trying to access file. Example would be XXXX XXXX XXXX and XXXX. 

For you to record the data into the section viewed by others when they actually never saw my file is not accurate and therefore reporting inaccurately. All the other credit bureaus when you have a freeze or a lock will let you know you tried to access file but keep no record of it in the section viewed by others.