WillisBack/dataset-financial-user-claim huggingface dataset:
This was removed from my credit and is now being reinserted inappropriately. This is a very old account. 

XXXX XXXX XXXX Collection/ Chargeoff Learn More {$0.00} XXXX XXXX 2012
Every year I recertify my loans for income based repayments. This year, I filled out the form, as usual. The form is the same form that has been online with FedLoan. I submitted it promptly and received a rejection one month later. When I called to find out why, FedLoan said that the form I filled out was no longer the form they were using, despite the date in the top right hand corner stating that the form was valid. They told me to fill out a new form. I did this and submitted it. Again, a month or more later, they sent back a rejection saying that they did n't have my income taxes. I explained that they were already submitted. Six hours and multiple phone calls later, they admitted they did have the income taxes. I told them I was nervous with the processing time as my new payment that was not income based would take effect and that I could not afford to pay it. They told me there was nothing to be done and I would have to forbear if I could n't afford my payments until they processed the request. I explained that was n't fair as I submitted the correct information TWICE and they rejected it. I was forced to forebear for two months. Not only is the interest compounded, but I lost out on two months of loan forgiveness, causing me to have to work in the public sector for two months longer. I called to complain about this. Numerous transfers and promises that someone would call me back, they did not. It has been two months since they promised to call me back about the forbearance. I have made so many phone calls and waited for people to help. It has n't happened.
This account is a fraudulent account that was not opened by me. I keep getting statements in the mail and I never opened this card. You can check the transactions that it was not done by me. I went on XXXX and filed an Identity Theft report to help me take care of this.
Experian, per the attached evidence, has programmed their automated dispute system to violate the FCRA.EXPERIAN is a scofflaw and thumbs their nose at the CFPB and federal law, the FAIR CREDIT REPORT ING ACT.THE CF PB CAN VERIFY BY looking at the attached evidence that every single dispute was not frivolous and legitimate.Experian wants to deny my rights to have accurate credit reports because it costs them  XXXX  dollars and strains their computer system that is not adequate to handle their  XXXX   XXXX  customers.
I opened a credit card with  Barclay 's ba nk and was sent a credit card. They refuse to send me a bill so I can make a payment, or they are sending my bill to a different address. Because I am not getting a bill, they say I 'm late and continue to charge a {$37.00} late fee. I tried to contact them several times and I have yet to hear a word from them. They are charging me late fee 's for a bill I never get!
I have a home depot credit card. I ordered a Gazeebo for {$340.00} online that was supposed to be shipped to the store. This was the only charge on my card. I received my statement about 2 weeks later and no product. I called the local home depot in XXXX XXXX NH and they could not find it and I was put on hold for over 20 minutes. I then decided to call the customer service number on my credit card statement. I called and the gentleman offered to call the local store as they showed it as being delivered to that store. I waited the line for 10 minutes and when he came back on he said that he got hung up on and would refund me the {$340.00} and take XXXX percent off the new gazebo along with free shipping to my home. I asked him if I needed to worry about that payment and he said no. I decided to pay my credit card early today and found out I was charged {$25.00} for not making the minimum payment required on my last statement. When the customer service rep refunded me the {$340.00} my balance was XXXX. Why would I make a payment towards a XXXX balance. The manager said because I have other charges on this account. Those charges would be reflected on my new statement but I have not even received that yet. I have no idea what those charges are even made up of without a statement. I want my late fee back and an apology letter. My credit is very good and this is fraudulent to say the least.
Experian is refusing to honor my disputes when they are knowingly reporting incorrect information. I filed for Bankruptcy and after it 's discharged, they are not allowed to report past due balances, past late payments or derogatory statuses. No matter what I do, I even sent disputes Certified Mail with a return receipt, Experian refuses to conduct an investigation and is blatantly breaking the law.
On XX/XX/XXXX, I bought a XXXX laptop online for {$2100.00}. Unfortunately, the product did not perform well to my expectations, but I had to keep the product because I can not return after 30 days plus they would also charge for restocking fees and shipping. I am also dissatisfied with the purchase because XXXX XXXX promotional offer was misleading me to buy the product, thinking I would make full payment same as cash by 18 months and pay evenly for every month. On XX/XX/XXXX, I called and filed a dispute, a rep told me that I will not have to pay for interest while in the process of investigation. But when I received the statement, it was frustrating to see that interest is continuing to accrue. No one called me right away to notify me by phone or at least by EMAIL that my dispute has been cancelled, but just send a letter that I received more than 1 week later. 

XXXX XXXX XXXX is no longer contracted with XXXX. I have sent in a request to have the right not to pay the remaining balance if I am not happy with my purchase as instructed on the statement on XX/XX/XXXX, but I did not received a respond until today. 

I have also contacted a lawyer, but I can not pay the fees. It is distressing to go through this process as I can not pay the fees, unhappy with my purchase, the company is ignoring my hardship. Furthermore, it is an unfair business practice to mislead ads and not have a AUTOMATIC PAYMENT WITHDRAWAL option, the customer would have to remember to make payments every month. They need to change this as it can be frustrating for customers. My interest in now {$780.00} when I missed making a full payment in XXXX.
I rec 'd phone call from this company called XXXX @ phone # ( XXXX ) XXXX regarding cash loan payment from cash central. They are the 3rd party. I have paid portion of the loan and now, different company is calling me representing Cash Central. They 're trying to scare me to take me to court.
Bank of America account # XXXX I disputed this account in XXXX 2016 to all XXXX credit bureaus. XXXX and XXXX has fixed error. XXXX has not fixed the error. The account settled over a year ago in full. I have XXXX to prove it. This my final attempt with XXXX to fix it or I will be contacting a lawyer to handle this matter. This account was settled and should be CLOSED and have a XXXX balance. My case number with CFPB is XXXX. The XXXX confirmation numbers XXXX dated from XXXX XXXX, 2016 and XXXX XXXX, 2016 are # XXXX, # XXXX, # XXXX. This is the final dispute. If not fixed, I will hand it over to my lawyer. I am trying to fix this before I apply for a new car loan in XXXX 2016. Thanks.
I've contacted the company numerous times since XX/XX/2017 pertaining to a collection from XXXX that's reported on my credit report. I've requested that they send documentation validation the collection but they've failed to send me any documentation upon my request.
I have asked for debt validation on my credit report from Equifax. I have requested this many times over the last 5 months and every time it comes back with " verified '' however Equifax never sends me proof of this verified account. I would like this account verified or removed from my report, I would like them to send the proof that they legally have to showing HOW they verified this account, something showing where I have a contract with this debt and a signature or something showing it belonging to me. The account in question on my report is XXXX XXXX. I have sent certified letters on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX all requesting that I have proof of this debt and every time without proof they have verified it.
I have a collection that does not pertain to me at all. I have had past identify theft over seas being hurrassed at my job on on my cell phone. I recently applied for an apartment with my husband with not so good credit and my son whom has perfect credit and we all have good jobs. Please help we are struggling to make ends meet n possibly get rid of our debt. Exclude my son. And we have a XXXX yr old. We have money to make ends meet and more. We r homeless now, while others are criminals trying to get over on the system and succeed. We are doing right and can not get a break.
I filed a dispute on the DOB reported on the credit report of all XXXX credit bureaus. Only XXXX credit reporting bureau removed the incorrect information. XXXX and Transunion continue to report the incorrect DOB which is causing me financial hardships when applying for jobs. 

I have disputed the DOB and no answer was given expect that the XXXX reporting agencies - XXXX and TransUnion would continue to report the incorrect information. I have sent letters of request that the information be removed to no avail.
Keep getting phone calls from a company wanting to lower my interest rates on credit cards for wells Fargo Chase XXXX XXXX XXXX XXXX XXXX XXXX. I do not have any credit cards. Also was called wanting to take out an extensive warranty on a car I do not own. How do I resolve these issues?
I applied for credit from Best Buy, to get their credit card which would entitle me to rewards and discounts. They approved me for reduced credit based upon what they said was my credit score ( XXXX ). Knowing this was a low score and my recent score was much higher I both pulled my score from all XXXX major reporting bureaus and wrote to them sending a full copy of my recent report which showed a minimum of XXXX points higher from the bureau they cited and over XXXX from another, and requested reconsideration. They said to call them. When I did they lied and said they never report a score to the consumer ( see their letter which contradicts this ), misrepresented their report and refused to correct their error. This refusal has cost me the cost of obtaining the report and will cost me both rewards and reduced interest rates on future purchases from this business. I understand this is their typical credit approval tactic and they consistently deny full credit, no matter how creditworthy an applicant may be. They also refused to provide a facsimile number so I could provide additional information
XX/XX/XXXX  at  XXXX   XXXX  mom & I went into Bank of America to add me to ALL of her accounts as she is getting up in age. We took her trust and all of the Power of Attorney papers. We met with  XXXX   XXXX  Relationship Manager  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  CA  XXXX   XXXX   XXXX   XXXX   XXXX  XXXX  XXXX  we worked on our issue many, many times  XX/XX/XXXX ,  XX/XX/XXXX , until we thought it was resolved. I tried calling the IRA dept  (  spoke with  XXXX   XXXX   XXXX  X  XXXX  ) where her CD is and they said they have no record of the  POA  and could not speak with me ( I needed info for her tax man this year,  XX/XX/XXXX   )  I tried working more times with  XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX . I was told I ned to fax in the POA papers to the IRA dept and all should be fine. I also spoke iwth  XXXX  supervisor,  XXXX   XXXX   X   XXXX .   I faxed the papers to  XXXX  on the following dates :  XX/XX/XXXX  and after a month he finally said did not return my calls so I made a complaint with your c o (   XXXX  ) and I heard from a   XXXX   XXXX    XXXX  X  XXXX . She said to fax it into her direct ly (   XX/XX/XXXX  ) and she will make sure  BofA  had it.   OK now she received it but I need to ma ke 1  more appt with  XXXX  so they can get some ID from me and verify that the POA would get to the document center, which should be the right place. That appt was Monday  XX/XX/XXXX . I also met the Financial Center manager,  XXXX   XXXX   XXXX , he GUARANTEED me I would not have any more problems and he is very sorry I went through all of this. ( Mom is now on  XXXX   )   XXXX  called me wednesday  XX/XX/XXXX  and asked if everything went well with my last visit. I answered " I hope so but I am not convensed because I was told 9 months at the local branch in  XXXX , CA that is was taken care of but it was not. '' She said OK give it another day and then call the IRA dept and make sure they will speak with you.   So on Thursday  XX/XX/XXXX  I called in and spoke with  XXXX   XXXX   X   XXXX , he told me he CAN NOT speak with me directly, only my mom that I need to go into a branch to handle things. I told him about my meeting with  XXXX  and his supervisor  XXXX  earlier that week, so he called  XXXX  and said he can not speak with me  ( still ).    I then asked both, why have I bothered jumping through all the hoops you required of mom & me when you STILL cant help me?   I put another call into  XXXX  the mediator and she has not called me back.   Now I find that you closed the case??? It is NOT resolved!!
XXXX XXXX XXXX ran a credit check without my permission. I noticed this on my credit report so I disputed it and they claim it was accurate or " factual '' I had contacted XXXX XXXX XXXX last year when I noticed this on my report and they claimed that they never had an account or anything set up using my social security number or name. I did a search online and it seems like this is a fairly common practice with XXXX XXXX XXXX when individuals turn XXXX or so.
I received an unsolicited loan offer in the mail and noticed a statement at the bottom that appeared ( but did not state so ) to be a consumer warning that offered an opportunity to opt out of unsolicited credit offers. When I called the number, the short message sounded official but I was immediately asked to enter my social security number to proceed. I did not because the recording did not identify who exactly I had called.
During the third week of XXXX I came across and advertisement by BMO Harris Bank to open a checking account, satisfy " 1 ) Open a new BMO Harris Everyday Checking ( R ), BMO Harris Select Checking ( R ) or BMO Harris Portfolio Checking ( R ) account between XX/XX/XXXX and XX/XX/XXXX in a BMO Harris Branch or by calling XXXX. 2 ) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. " I then called the number listed on the advertisement and spoke to a representative who I asked to confirm that an ACH deposit that comes in with the account number and routing number qualifies as a direct deposit, and I was told YES. 

Based on this, I opened over the phone with that representative. They sent me a package in the mail that had account information and my signature card. I sent the signed signature card back, and went on banking normally. I then had to ACH deposits into my account from an external source for work I did credit into the account each for more than {$300.00}. After both posted in the account, I called and spoke to a representative who informed me that this WOULD satisfy the requirement for the bonus ( FlexCodeXXXX ) and that I was all set, because it was just " outside money. '' Feeling a bit hesitant because that representative used wording that was neither on the offer nor had been used by the other representative, I thank the representative and hung up, and called back the next day to again to confirm. 

This time, the representative first said the same thing as the representative I spoke to on the day prior " foreign money, '' however when I asked her to double check, she came back and told me that she had miss informed me. When I asked to speak to a manager, she put me on hold for over 20 minutes, and then the line just disconnected. 

I called again and had to jump through hoops to get to a manager where I was told that those deposits would not qualify me for the bonus. When I asked to speak the a manager, and had a representative from corporate call me back, they said and I quote " NO one here will give you a bonus. '' They then continued to be very rude and yell at me over the phone, and it was a very uncomfortable conversation. 

It has been a huge headache and a pain to deal with this bank as they treat their customers very poorly and do n't honor their marketing campaign. They deceived me to open an account, and than do not want to honor the bonus for me, but rather want to treat me rudely.
I co-sign w/ my husband for a car loan in toyota motor credit on XX/XX/XXXX. The car was sold to XXXX on XXXX XXXX, and account was closed and PAID as agreed. Toyota report my car loan INACCURATELY coz they put in status account included in Bankruptcy. This account is a Reaffirm debt that was PAID as agreed. I wrote Toyota a letter to request that they delete the inaccurate reporting but they responded they will continue to report it included in bankruptcy even it was PAID OFF.
XXXX XXXX - reporting a balance of {$600.00} when original creditor shows Hughest balance being {$550.00} and when I called and asked to verify the balance history and validate it so I know its legitimate, they said they cant give me any info about the debt just that I have to pay them. 
Original creditor is XXXX XXXX XXXX- shows as open account on XXXX and XXXX XXXX well as XXXX XXXX, how can they both be open? XXXX fixed that with dispute. XXXX didnt update after disputing, XXXX has inaccurate history or none at all for multiple account and they continue to say they cant verify my identity when submitting a dispute, when I can log in their sister sites just fine to access my reports. 
XXXX XXXX XXXX claims to have bought a debt from a creditor my precious bank XXXX XXXX XXXX XXXX XXXX who I was having issues with their way of applying deposits and transactions out of order to ccharge me outstanding fees of hundreds of dollars over the time I was with them. I opened account elsewhere and was paying down the fees, I made a payment of {$200.00}, next balance said {$0.00} and then all of a sudden I have a collection from this collection co reporting I owe {$190.00}. They will not inform me what kind of credit ( since I had no credit with BOW ) and what transactions I did not pay for that led the account to be sold to them. XXXX dispute was successful. XXXX and XXXX are impossible to submit disputes with and never seem to investigate to the degree that XXXX does or else they woukd come to the same conclusions. I have disputed wrong personal info through XXXX they claimed to delete and it still appears. My score is over 80 or more points less with XXXX, and 40 with XXXX  due to these specific errors. Thank you for your time.
XX/XX/2018- now. {$16000.00}. This company keeps trying to steer me into forbearance before letting me know about any other payment options.
i have responded to GM Finanicial about this negative item on my credit report and they have not validated the item with my signature and has violated the FCRA by not validated within the 30 day time period since XX/XX/2018 an i have documents to prove it
I have spoken with representatives at XXXX XXXX on two different occasions in the past three months- both times I was told that I had no debt being managed by XXXX XXXX . In both cases, they confirmed that my previous debt was from XXXX XXXX XXXX and on the second attempt to get this removed from my credit report, I called XXXX XXXX XXXX to get a letter that states that I do not owe XXXX XXXX XXXX anything. They complied, but XXXX XXXX refused to provide a letter that states that I have no debt with them- regardless of the fact that they are reporting I do. They should have to prove this since it has negatively affected my credit, cost me thousands in interest and disqualified me from refinancing my home.
I was checking my three credit bureaus reports on XX/XX/XXXX and noticed a tradeline unknown to me listed as collections. Company : XXXX XXXX XXXX. Stated Date Assigned : XX/XX/XXXX. Stated Amount Owed : {$1300.00}. To challenge the reporting and compliance on listed account that is being reported on my credit report with incorrect/missing info. Data that appears on terminal screens to credit bureaus centre and collection agencies operators may have masking dynamically applied based on user security permissions. Not based on consumer reporting.This improper procedure is highly damaging to any consumer. Also I am very litigious in small claims court and forwarding today in contacting DEPARTMENT OF BANKING to investigate ACCOUNT RESOLUTION SERVICES. for FDCPA, FCPA also FCRA.
On XX/XX/XXXX, my account balance was over $ 4k. On the same day, my husband 's paycheck, which is normally received via direct deposit, was delivered as a live check by XXXX at XXXX, due to payroll processing issues on the part of his employer. The BBVA branches were closed, so we deposited the check via the mobile deposit app. The bank put a three day hold on the check and after calling to request the hold be lifted, they denied the request. This was a payroll check and by law they can not hold the funds.
I was not advised nor did I allow the bankruptcy information to be added to my Experian credit report. 
603 Define adverse action Adverse actions '' include all business, credit, and employment actions affecting consumers that can be considered to have a negative impact as defined by Section 603 ( k ) of the FCRA Adding a bankruptcy to a consumers report is and should be considered an adverse action due to its negative impact.

604 ( 1 ) ( C ) ( 1 ) Users Must Notify Consumers when adverse actions are taken.

615 ( a ) requires the user to notify the consumer.

Your bureau has published inaccurate information in my credit report. Stating that US Bankruptcy Court of Nevada  was the furnisher of the information. When in fact a third-party XXXXs ( information reseller ) is the furnisher of the information. The US Bankruptcy Court of  Nevada  does not solicit or give information to third party companies ( Proven by Letter ) Your company has also admitted to the use of a third-party company via correspondence. 
Your companys interaction with an information gathering company has also been proven by XXXX. 
XXXX confirms that they retain information mainly from public record on the XXXX company website page About Us. 
The public record from the US Bankruptcy Court of Nevada is also heavily redacted, thus making identification virtually impossible or extremely difficult. 
Definitions : Furnisher A Person or Entity to provide what is necessary for an activity or purpose. 
Identity Theft The fraudulent acquisition and use of a persons private identifying information, usually for financial gain. 

Your company failed to respond satisfactory within 30 days. 

Your company has repeatedly verified without yielding proof of verification. 

Your company has failed to reply to letter asking for proof of owner verification. 

Your company has failed to sign for the receipt of second letter asking for proof of owner verification. 

Willful noncompliance with FCRA Disputed Accuracy Section 611 Willful noncompliance with FCRA Furnishers Obligations Section 623