WillisBack/dataset-financial-user-claim huggingface dataset:
Experian is preventing me from submitting a dispute regarding the following accounts : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX University I am attaching supporting documentation to have these accounts three accounts reinvestigated. 
Experian will not provide documentation regarding verifying public records. They've provided several generic statements regarding verifying through 3rd party companies, but will not identify the name of the company. I have verified with the court that they do not and can not verify anything with you. Their written response is attached. I have verified with XXXX XXXX that my file is suppressed " blocked out '' therefore they have not verified with you. The opt out letter is attached. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. 

As it relates to XXXX XXXX, you are only to report 7 years from date of first delinquency. This account was delinquent in XX/XX/XXXX, therefore, this account should have been deleted in XX/XX/XXXX. A statement of account letter is attached which documents date of first delinquency. That is inaccurate reporting on your part and this account needs to be deleted. 

As it relates to XXXX XXXX University, I have requested validation from XXXX and they have not provided an account with my signature. Therefore this account should be deleted. You allowed XXXX XXXX University to report the account as a collection account in XX/XX/XXXX and  Closed in XX/XX/XXXX, but XXXX sent Statement of account showing payment in XX/XX/XXXX.  That is inaccurate reporting on your part and this account needs to be deleted. 

The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully plan on pursuing litigation in this manner to enforce my rights under FCRA. 
I demand the following accounts be deleted immediately. I look forward to receiving an updated report reflecting the corrections. 

Chapter XXXX Bankruptcy unverified XXXX XXXX inaccurately reported XXXX XXXX University inaccurately reported
I never signed up for Syncrony Financials card security on my Care Credit Card. They have now for the past two months charged me over {$150.00} in card security fees that I never signed up for. It is surpassing my interest its ridiculous and I never opted in nor did I know that I needed to opt out of it. I have emailed them twice. Once on XX/XX/2018 as well as XX/XX/18 that is atrocious and I used this card to help me get myself better at the doctors not at some store getting a manicure.
A billing error occurred with XXXX XXXX. They were supposed to credit my account and did not. My account was sent to " collections ''. 

I received a mailed notice from Convergent Outsourcing stating that the notice was sent from a collection agency. 

My home received 15 hangup phone calls with no message left. My wife returned the call, concerned that there was some sort of issue. The man who answered the number stated that they were trying to contact me regarding a debt, but were NOT a collection agency. Thus, he lied to my wife. 

I spoke with a representative at Convergent Outsourcing who stated that their company policy is not to leave messages because they do not know if the number is correct. This is an admission that they call numbers they do not know to belong to the party involved. Further, they also stated that they are not a collecting a debt and that this is in " pre-collections ''. This is another lie as the letter I received states " This is an attempt to collect a debt ... ''. 

Lastly, The letter is from Convergent Outsourcing with an address in XXXX, WA. However, the return address is from XXXX with an address at a XXXX XXXX XXXX XXXX, MI. A third party is being used to attempt to collect this debt, which I believe to be in violation of the FDCPA. 

In the end, I spoke directly with XXXX XXXX and they apologies for not applying the credit appropriately and have rectified the issue. I am, however, livid with Convergent for spamming my house with calls ( with no message ), lying to my wife, lying to me, and using third parties to send notices and place calls.
Hello, We having been having problems with Western Union. We attempted to send {$450.00} to XXXX on Monday XX/XX/XXXX. When the recipient tried to pick up the money, he was told it was on hold. We went back to the agent at XXXX supermarkets to try to resolve the issue. Someone standing in line had the same problem with sending money to XXXX. We called WU and they instructed the recipient to go to a different WU pickup location. He did but had the same problem. We finally decided to tried to get a refund and were told it would take 24 to 48 hours. Our problem has been going on for several days. They finally authorized a refund of {$1500.00} ( triple the amount we tried to send ). When we told them they made a mistake, they told we had to wait another 24 to 48 hours. We have been lied to several times by WU. They hang on us and hang up on the agent at XXXX. XXXX has been very helpful but WU seems unwilling to work with us or XXXX. I gave permission to speak with WU. They refused to speak to him even though I gave permission. The last time we spoke with WU on XX/XX/XXXX, they claimed the money had already been picked up. It is inexcusable for them to take this long for them to fix their own mistakes. What kind of action can we take to get this issue resolved?
On Saturday, XX/XX/XXXX I deposited {$1300.00}  in checks into my account through the XXXX, CT Citibank atm. I then tried to withdraw money in the same transaction from my already " available " /prior account balance and I was denied. I called Citibank and was informed my accoint is frozen until my checks cleared, denying me access to my prior available balance of {$1500.00} before the deposit was made. It was a Saturday night so I was stranded for the rest of the weekend without any money. I had XXXX cash and no other forms of payment. On Monday evening when my account was still locked and i was trying to put gas in my car, I spent over an hour speaking with 3 different representatives that just kept repeating there is nothing we can do about it until you checks clear in 1-2 business days. I stated, it already has been one business day, they said well then maybe two. I had to borrow money from family members to put gas in my car, purchase food, etc because i was denied access to my available balance/ my property ( nothing to do with checks deposited ). As of Wednesday at XXXX, I am still not able to access my available balance. It has been 4 days/ 3 business days since I could access my available money. And there mobile banking app so been down since Monday as well.
Since there was no resolution to my last complaint, I am submitting it again. Not only did Equifax not address the negligence the company has had with my Consumer Credit Report, which it is their job to maintain and keep accurate, they provided me a number to their customer service, the same people who screwed up my credit report more when I called in to address the issue. I will not be calling that number as I have no faith in their ability to resolve this issue. I would like either a supervisor or competent employee that is not part of their CSR team to call be and help get this issue resolved which has been on going for over a year now. Since they can not seem to do their job, I will have to do it for them. I am uploading a copy of my Transunion credit report which is accurate. The accounts in question are my XXXX account, which they were not updating even though the creditor assured me they were sending the info, which I had called their CSR about, and they removed my positive trade line, you can see it on my XXXX report. Next is my XXXX XXXX account, which they were also not updating even though the creditor assured me they were sending the info, which was a store card but then was upgraded to a XXXX with a new trade line, again nowhere to be found on my Equifax report, again you can get the information from my XXXX report. Lastly the XXXX account has the wrong DOFD, which I have disputed many times and it always comes back verified very fast which leads me to believe that they do not investigate my dispute at all, as you can see the account is no longer on my XXXX report as they had the correct DOFD. Please make these correction or I will be forced to take legal actions.
In XX/XX/XXXX, I moved from my home in XXXX. At the time of the move, I notified XXXX XXXX XXXX, which provided curbside waste collection, to close my account and provide final billing. I paid final billing. Years later, in XX/XX/XXXX, I was contacted by a credit collection service, XXXX XXXX, regarding an account which XXXX had sent to collection ( stating original amount owed {$210.00}, then due {$340.00} ). I spoke with Phoenix rep several times and provided proof of my communication to XXXX closing the account. They took in for review - and to my knowledge, closed the file, but I did not get confirmation of that. In reviewing my credit report, I see that this remains as a derogatory action on my credit report and wish to have this removed. Thank you.
On XXXX XXXX, XXXX my wife and myself had brought atimesharefrom XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX aka XXXX XXXX for {$41000.00} with an upfront payment of {$4000.00}. 

We made monthly payments XXXX when we realized that we have been defrauded with high pressure sales pitch along with assurances of higher resale value and the tremendous investment potential with an interest of 16.90 % on principal and over {$1000.00} in maintenance fees a year. 

I tried to reach out to the company, sent letters explaining the fraudulent and misleading assurance by their sales team which included helping me later to sell the timeshare in case I did not want it with profit, but have been unable to elicit any response. When I reached them over phone was told that as per law they need not answer any of my questions in writing all they sent is a print out of my payment history without any letter head. 

Since then we stopped all payments after which it was reported on all credit agencies as Real Estate Mortgage Loan. We sent dispute letters to all 3 credit agencies explaining this fraudulent act and that any items reported by XXXX XXXX, aka XXXX XXXX be expunged from our record. It has been removed from XXXX and XXXX, only in Transunion it is reported as Conventional Real Estate Mortgage Loan delinquent. 

But finally reached a settlement since we wanted this record removed from my credit history as we wanted to purchase our first home. We received assurance XXXX XXXX XXXX the collections agency for XXXX XXXX that my outstanding dues would be removed from my credit history and on XXXX XXXX, XXXX we settled for a settlement fee of {$7200.00} on the outstanding principal of {$36000.00} but once the money was received there was no removal from Transunion. 

Since then I have sent certified mail to Transunion to remove/correct the account asking that the account should not be classified as Conventional Real Estate Mortgage Loan explaining 1.  This is a Resort-based points program timeshare which do not qualify as real estate property since we do not have any ownership in the property under Dodd-Frank Section 1026.43 Minimum Standards for Transactions Secured by a Dwelling this should not be reported as mortgage. 
2. This is not in line with XXXX XXXX ( XXXX ) Conventional Loan guidelines which categorizes all timeshares are installment loans. 

But it has not been removed in several attempts. We would like your help in 1.  Removing/reclassifying this account reported as Real Estate Mortgage from Transunion 2. Why XXXX XXXX XXXX is reporting this as a Real Estate Mortgage Loan only to Transunion which does not comply with reporting requirements under Dodd-Frank and XXXX XXXX. 
3. Why only Transition is reporting this and other credit agencies have removed them 4. Report the sales activities of timeshares by XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX
On XX/XX/XXXX I called a number in which I found on an old department of student loan statement. 77 Elite also known as XXXX XXXX XXXX answered the phone. I spoke with XXXX XXXX who told me that the company would assist me with getting out of default with my loans, prevent the IRS from garnishing my income tax refund, and would set me up in a program known as the Revised Payment Plan. Under this plan, XXXX informed me, that I would pay approximately {$220.00} in principle payments for the next 10 yrs ( 120 payments ), and that after the 10 yrs is up I would be eligible for another plan known as a teacher loan forgiveness plan which would wipe out the remainder of my federal student loan amount on the principle, interest and that collection costs and fees would also be removed at the end of the 120 payments. XXXX stated all this would be done for a small fee of {$920.00} which was paid by me in three increments for the month of XXXX, XXXX, and XXXX. 

I called the XXXX XXXX XXXX XXXX, XX/XX/XXXX and was told that they have never heard of the company. I called the company and was told they have been around for many years and they urged me to fax in my limited power of attorney form. Yesterday ( XX/XX/XXXX ) 77 Elite/XXXX XXXX XXXX   also told me that my loans were being controlled by a collection agency known as XXXX XXXX XXXX XXXX XXXX and that I was accruing $ XXXX/mn in interest fees. 

Yesterday, after many called to the Department of Education, the Department of Justice XXXX XXXX XXXX, and the Department of Justice 's US Attorney 's Office I was told by XXXX XXXX ( XXXX ), the attorney that has my student loan case, that my loans are NOT being held by a collection agency. After my conversation with Attorney XXXX, I called the Department of Education to ask if 77 Elite or XXXX XXXX XXXX makes student loan payments for students. I was told that they have never heard of the company. As a result, I would like my {$920.00} back and this company exposed. 

Thank you for your support, XXXX XXXX XXXX
From XX/XX/XXXX  till now,  seven p ayments w ere made to a Capital One C redit Card from my checking account. All of them were for {$75.00}, and at first I thought they were auto   payments to one of my Capital One Credit Cards. Two days ago, I found out they were not.
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I have already called the bank handling this checking account, and will be closi  ng the account shortly. However, not only am I worried that this could happen again, I am furious   at the lack of support Capital One has provided.
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Their mobile application was used to take this money from me, and instead of checking their database to figure out who was making these transactions, they just wanted me to file a claim to my local bank. They offered me absolutely no assistance, despite their application being at potential fault.
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As stated, I am going to reopen my checking account with new numbers, but Capital One needs to improve their security if they want to keep me as a customer.
I have been requesting cancellation of PMI on my mortgage since XXXX. They have documented that my LTV ration was below 80 % and written request was made on XXXX XXXX, XXXX. The lender required me to get a BPO through their vendor at my own expense. The home has appreciated in value by over 30 % since purchase, which was confirmed on the BPO. This was sent with another written request in XXXX XXXX. The PMI is still being charged on the mortgage.
Hello, I applied a payment of {$5000.00} dollars to my Capitail One XXXX card and thet did not apply it to the highest apr.. I called them and they told me they did not have to. 

Best Regards, XXXX XXXX
Last night, XX/XX/XXXX, I checked my Bank of America checking account on-line, and saw that while it was low, it was not overdrawn. No overdrafts showed, and I saw that my XXXX XXXX XXXX payment was paid and cleared. So, I went to sleep peacefully, knowing that my paycheck was scheduled to hit tomorrow morning, and knowing that no matter what else might hit my account would easily be covered. 
But when I checked my account again on-line this morning, about XXXX XXXX, I saw that yes, my paycheck hit, and more bills were paid and cleared, but, why was there a {$35.00} overdraft fee launched by Bank of America? I saw no negative amounts on the BOA ledger provided for sight on-line. So, I thought I could easily get the {$35.00} refunded to my account, if I just called the bank about XXXX XXXX. and asked for BOA to remove it. I was wrong. I got a long wait time, and finally, agreed to the robot 's suggestion that I press a number and have myself called back by Bank of America. Two hours later, I got the return call, and waited for yet more minutes before a customer service rep. came on the phone line. She recommended that I use blah-blah app to avoid additional fees. I told her it always has been sufficient for me to just regularly check my account activity on-line, with my laptop. She said she tried to remove the fee, but the system would not let her. I told her I needed to speak to a manager, and she resisted, until I just kept insisting that I needed a manager. Then she placed me on hold for a few moments, and returned to say her manager was still tied up with someone else, so the manager would call me back. The manager called back hours later, about XXXX XXXX, as was driving. So I placed my cell phone on speaker, and heard the manager repeat that she, too, could not remove the fee, since other activity had hit my account - activity that I did not see at all - STILL ca n't see at all - in the on-line BOA checking account register for me. I told the manager I wanted a formal dispute filed against BOA, and she said okay. But I doubt that formal dispute was filed, since I see no record of that. I also STILL see no written record of any activity coming through to BOA after XXXX XXXX, XX/XX/XXXX, when I last checked the on-line ledger. Had I seen the some 11-something the clerks claimed left my account in negative condition, I would have run to an ATM last night, and deposited {$12.00}! Of course, that would have made more sense than now paying {$35.00} to BOA. I am not letting my dispute rest because it really boils down to robbery! BOA just stole {$35.00} from my account, with no, written justification for doing that. And I have not had anyone at BOA acknowledge what I STILL see, no overdraft mentions nor negative balances - just regular, positive balances, and a {$35.00} fee that BOA conveniently levied, AFTER showing a positive {$68.00} and change. The {$35.00} is shown to have hit after the $ 68-something balance, and BOA then put my paycheck into my account. Where was the justification for stealing my money, with the {$35.00} " overdraft '' fee?
This company calls & hangs up. When I called to address them calling & hanging up, the representative hung up on me.
Please know that I was not late on XXXX XXXX XXXX.. I wonder why Transunion report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
New Inquiry A new inquiry has appeared on your credit report. Here are the details of this inquiry : Date Reported : XX/XX/XXXX Alert Type Inquiry Processed Date XX/XX/XXXX Inquiry Date XX/XX/XXXX Inquirer Name XXXX Address XXXX XXXX XXXX, XXXX, OH, XXXX
As a Class Member of the XXXX XXXX XXXX Data Breach, I assert that this debt is likely caused by an Act of Personal Identity Theft by an unknown perpetrator.
This was paid and the lady said they were going to delete it from my file if I paid it. They are still listing this on my reports as an OPEN collection and keep reporting it as such when it was paid in XXXX. I sent them a debt validation letter so they could send me some sort of proof, anything really but they have not responded at all and when I call they say they cant help me and hang up. 
The XXXX payments that I made to pay the account off are confirmation numbers:XXXX and XXXXProcessed by XXXX XXXX to which she told me I would get this item deleted from my reports. They have recently updated and they still list on my reports as an OPEN collection and they list themselves as a creditor in which they are not a creditor and I didnt think that a collection agency could list as a creditor with a credit limit etc on someones credit report anyways. I am sure this company is not complying with the law. 
This is against PINNACLE CREDIT SERVICES LLCXXXX XXXX, MN-XXXX ( XXXX ) XXXX
I just looked at a new updated copy of my credit report and noticed  Commonwealth Financial Services , Inc  XXXX  reporting a negative account. I contacted them today,  XX/XX/2017   , by phone and spoke to  XXXX   ID/Ext  #  XXXX , and asked why they were reporting on my account without me knowing any of this in writing or by phone before placing it on my credit report and also told him that I am disputing this alleged debt. I was just pre-approved on a loan and was told that this will harm my  credit score  and I will not be able to close until this matter is resolved. I demanded verification and can not wait by mail and want  Commonwealth Financial Services , Inc.  to upload any verification documents they might have here per the FDCPA and FCRA laws.  XXXX  also tried to have me pay just so this account goes away even though I told him several times that I did not owe this alleged debt and I am disputing it as it is not mine. I have no problem paying a debt that I really owe, especially in the current situation that I am in but I will not pay for something that is not mine. I demand this be verified with all the documents they claimed to allegedly have including my signature or remove this from my credit report immediately.
On XX/XX/XXXX I was approved for a Synchrony credit card through XXXX. On Sunday, XX/XX/XXXX, I went to XXXX to purchase a desk chair and was told that I could no longer use the Synchrony credit card that I would have to reapply to their current vendor. I was terribly shocked that after only five months that I have an increased credit line that is null and void. It was suggested by XXXX customer service that I apply for another credit card with their current vendor ; however, this would not be in my best interest in that I have more than enough credit cards at this time. 
I called Synchrony Financial, and unfortunately, it appears that I am in possession of a credit card with a substantial line of credit that I can not use. This is unfair to me as a consumer, who dealing in good faith with XXXX, am in possession of a useless credit card.
I called several times Equifax and sent letters and faxes concerning a judgement, collections and unauthorized inquires showing on my credit report.