WillisBack/dataset-financial-user-claim huggingface dataset:
Experian has been notified six times of the error regarding XXXX XXXX and the fact that they are reporting obsolete and outdated information. <P/>XXXX XXXX is an account that is more than 7 years old and it should be eliminated from the section of " accounts that may be considered negative. <P/>I just received a credit report today where they changed the status of this account to reflect the following statement : Account charged off {$1400.00}. Past due as of XXXX 2017. This was on report XXXX. <P/>They have now re-aged this account because prior to this new credit report the account status stated the following : This account is scheduled to continue on record until XXXX 2017. This was on report XXXX They can not arbitrarily changed the age of this account. They have made a serious error and I want this account removed. I sent them information from the original creditor showing the ledger of payments to prove that this account went into default by being past due in XX/XX/XXXX. I want this account removed immediately. <P/>AGAIN, EXPERIAN CAN NOT RE-AGE AN ACCOUNT. IT MUST BE DELETED. I WANT THIS ACCOUNT DELETED FROM MY CREDIT REPORT IMMEDIATELY!!!!!
Hello i sent multiple letters out to XXXX and XXXX about these inquires on my report but noone has gotten back to me yet on my XXXX account i have 4 inquires and on equaifax i have 17 thats outrageous i calles and i comtacted the creditor and nobody is trying to help me out with this issue. I contacted them 30 days ago with 20 letters asking them to delete these inquires because they were unauthorized. Theres inquires going back from 2016 and i have no idea what they are.
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act XXXX XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
I noticed in XXXX that a lot of inquiries popped up on my credit files out of nowhere on my Transunion report. I called them they told me that they are taking them down and I should see it off of the report and that they apologized for any inconveniences that it caused. To this day all XXXX inquires are STILL sitting there and I have called profusely to get them removed a lot of them have hung the phone up in my face and was very rude to me. I NEVER got a 5 day notice about any thing that was going. I informed them of that and they still did nothing about it ( FCRA Violation ) I spoke with Anye, XXXX, and XXXX today and XXXX and XXXX hung up me after stating that their supervisor told them that its nothing that they can do about the inquiries. I asked them so are you going to sit on a recorded line and openly admit that you and Transunion are operation this issue in FCRA code violation? They said that 's their job!! ARE YOU KIDDING ME? These are people life 's that are being effected here, not some random stray dogs off the street. Theses XXXX inquiries need to be off immediately. I am also contacting the XXXX XXXX XXXX about this..!!!!!
I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX today at XXXX XXXX. Spoke to XXXX ; I asked if the they could remove an error from my credit report. I told her that under the FCRA section 604 ( a ) ( 3 ), this reporting does not fall under these terms use in this case : accessing my credit report was not for employment purposes, underwriting for insurance, eligibility for a license, investor, a credit transaction and so forth. 

I spoke to XXXX and spoke to several representatives starting at XXXX XXXX today. The last person I spoke with was XXXX who advised me to contact Core Logic. This error is preventing me from obtaining credit and to build towards getting a loan for a home.
In 2008 I was awarded a judgement against Washington Mutual and XXXX XXXX in 2008 in the XXXX Cook County Courts for predatory lending and origination and servicing fraud. Two months later Washington Mutual went into bankruptcy and the FDIC became the receiver. I submitted a Proof of Claim and was approved. However up to now the FDIC has not had the funds to make me whole. They claim that XXXX XXXX has a XXXX dollar claim and have no additional funds available for smaller creditors. What options are available to me as a small claimant, the judgement being less than {$50000.00}? Senator XXXX 's office has contacted the FDIC on my behalf to get this information for me, but has been unable to do more. 
Thank you for your assistance.
On XXXX XXXX, 2015 I was transferring {$350.00} to a friend XXXX. My friend and I decided it was wiser to meet and exchange funds so the transaction was Cancelled. The debit of {$350.00} came out of my BB & T checking account. It took until XXXX XXXX, 2015 for a credit of {$350.00}. to appear. I was charged {$72.00} in return item fees on XXXX XXXX XXXX My account would not have overdrawn had the {$350.00} been in it XXXX. After daily phone calls to both BB & T and XXXX and many XXXX calls XXXX it was decided on the phone with BB & T on XXXX XXXX that a claim would be put into Escalation to return the return item fees ... A process I was told takes 24 - 48 hours. On XXXX XXXX I again called. Not only had the {$72.00} not been credited to my account but another {$36.00} overdraft fee was charged ... My account would not have been in negative had the {$72.00} been there!! I was informed by BB & T that they had filed the wrong claim form and that ... oops, we 'll send the right one up XXXX A process I wish I could charge {$36.00} for ) ... I have called on a daily basis. I went to close my account from BB & T XX/XX/XXXX and asked how they 'd be returning my money for the incorrect fees only to be informed that returning my money was " courtesy '' and if I close my account I would Forfeit the funds!! It is now XXXX XXXX, 2015 almost one month later and I STILL HAVE NOT RECEIVED THE MONEY FOR THE BANK 's ERROR! Additionally, the companies that the items were returned to have charged returned check fees and in XXXX case a late fee. NONE of these fees or mistakes are of my own doing! The money to satisfy my debits would have been there had it not been for XXXX initial error and BB & T 's assessed fees.
I had a collections notice on my credit report from XXXX XXXX. On XX/XX/XXXX, I called and asked them about it and they said that the collections was n't with them anymore. They recalled the collections back to XXXX, the original holder. I called XXXX the same day and made a payment to get rid of the debt owed. They explicitly said that it should not be on my credit report after payment. The problem is, the collections notice from XXXX XXXX is still on my credit report and I would like it to be taken off. I was given a clear statement from the XXXX XXXX  agent that they do not have my collections anymore and that it should n't be found on my credit report. As for the payment for XXXX, I have the confirmation number, XXXX, and the employee id, XXXX, of the man who explained to me the process above ( for removing the collections from my credit report ).
I opened a checking account with Citibank with a promotion to get a {$400.00} bonus. I confirmed with Citibank that I had met the bonus terms, and waited for the bonus to post to my account ( 90 days was specified by the promotion and in the letter confirming I would receive the bonus ). Several representatives told me I would get the bonus on XXXX/XXXX/17, but it did not show up. I filed a dispute, and they said I would hear back from them by XXXX/XXXX/17, but of course, no response by that date. I called in today, only to be told to wait longer. I feel like Citibank is lying and stalling to get business.
My loans are in consolidation and ERS continues to harass me and apply charges to the loan that I should not have to pay since the loan has been in the consolidation process. I gave limited power of attorney to the consolidation company and ERS should be dealing with them not harassing me. They are trying to insist I deal with them directly repaying the loan. I wonder if they have refused to work with the consolidation company.
Excuse any/ all spelling errors, the message was n't clear. 

I had returned a phone call that stated a complaint was being filed against me for a debt from 2005. The company sounded like XXXX and associates and from a lady by the name of XXXX XXXX, phone number XXXX XXXX XXXX XXXX. She said my HR department was already being contacted to file a judgement. I have recently closed a bankruptcy case ( end of XXXX ) and no where was that debt listed on my report nor any attempt to collect it has been attempted until this point. 
She said the original amount was around {$2400.00} and now it is over {$6000.00}. 
She was also very threatening towards me on the phone when I hesitated to give her any personal information.
XX/XX/2018 -I called XXXX XXXX that was listed on my credit report to resolve my debt and have it removed from my credit. I obtained the account number and the total amount owed along with where to send the payment. 
A few months later I saw the debt still on my credit report but it was taken from my bank account electronically and delivered to Resurgent Capital which is whom I was told to make the payment to. I called back to XXXX XXXX  that was told that I needed to call my bank that it was my banks issue. My bank told me the funds were delivered and that there was no issue on my end. I continue to receive calls to collect this debt. I faxed proof from the bank account that this debt was paid from my account back in XX/XX/XXXX. A company called XXXX has now began calling me to collect on this debt that I already paid. They stated that Resurgent Capital still holds the debt and that they are making the calls on their behalf. I explained my situation and they were to look into the matter. I recently have gotten in the mail a package of old statements from the original creditor that says this is proof that this is your debt. I never disputed that it WAS my debt. My issue is that on XX/XX/2018 the payment to pay this debt was delivered in full. I called resurgent capital on XX/XX/18 and was told that the proof that I sent from my bank showing payment was illegible. No one ever called me back in XXXX when I sent this to tell me or try to resolve the matter. No one has tried helping me at all. I just continue to receive harassing and threatening phone calls that this will be sent to lawyers no matter how much I tell them it was paid and try and help them see the payment. I called back a second time to Resurgent Capital and spoke with a lady who stated her name was XXXX. I tried explaining the issue and she became VERY rude and told me to stop talking. She would not allow me to finish anything that I had to say. I am reaching out for help to this company and keep getting passed around, meanwhile this debt still sits negatively on my credit even though I paid this months ago with my own initiative. I don't know who else to reach out to or what else to do. I just need this matter resolved and I can't resolve something when every time I call I am being told this is an attempt to collect a debt and people are so rude and don't want to hear that I paid this but just tell me that I need to make a payment. I am at a loss on how to proceed with this matter.
I have been with XXXX for over 10 years and I switched to a pay over time plan. I have not missed a payment and they were charging me interest every month. They started dinging my credit and I was paying every month not the full amount but I did n't have to because I had pay over time and was paying interest charges every month. They Closed my account and I have kept paying trying to dispute it. They sent to collections agency even though I have never stopped paying. I have paid off the balance direct with XXXX not through Collections and they said they will reinstate my card with all my points and benefits. But I still have ding on my credit which is incorrect because I have always paid my bill. 

Regards, XXXX
On   XXXX -17    I s ubmitted a complaint which notified TransUnion that I had disputed the e rroneous collection on my credit report pertaining to   XXXX   XXXX   the original creditor. I stated that a complaint was made thru CFPB challenging the validity of the debt.   XXXX   XXXX   failed to respond within the 30 days permitted by federal regulation. Even tho TranUnion affirmed this fact they failed to delete the item from my credit report. I have included new information that increases TransUnion 's burden to act. The collection agency   XXXX   XXXX   responded to the same complaint and with an affirmation to delete the collection from my credit report.  Reference  CFPB #   XXXX   TranUnion must ensure this unfair and damaging error is immediately and permanently removed from my credit report.
XXXX Mortgage 's Good Faith Estimate showed the down payment as 20 %. The day before close of escrow when XXXX XXXX XXXX gave me the final paperwork and it showed the down payment amount was increased by 31 %. Also, the company was hard to deal with because during the last few weeks of escrow XXXX XXXX Mortgage changed or added new loan requirements once or twice a week.
In XXXX of 2014, my family relocated from XXXX to XXXX. In the process of switching bank accounts and payment information, I switched the automatic payment account information with Wells Fargo Dealer Services. Because of a time lag in processing, I missed a month 's payment. Unbeknownst to me, this has been following me ever since. I have autopayments setup and e-statements sent. At no point did I receive correspondence from Wells Fargo that the delay happened, that I was accruing late fees, and that they were reporting to the credit bureaus that I was always a month behind in my payments. It has had a severely negative affect on my score. The only reason why I found about this was because I called them about starting a new loan and the agent caught it. I am now three weeks without resolution from them and I am being charged over {$600.00} in late charges. One agent said that they had been trying to get in touch with me with the old phone number on the account and not the current one that I submitted when I updated my account information. I have followed up with phone calls only to be told that a " manager '' will get back to me. I submitted paperwork to their XXXX but heard nothing. My payment history supports my on-time payment history and how quickly I would have responded in fixing this. Their poor communication and systems management results in the consumer suffering. When I went to get a new auto loan, my score prohibited me from getting a better auto loan rate and I know it was affected by this loan.
There is a hard inquiry on my account that is not mine. XXXX XXXX XXXX has acknowledged that the account was not mine and they removed the account from my credit report, however Transunion will not remove the inquiry that goes along with the account that has been removed. I called and spoke with a supervisor who told me that the inquiry was correct, even though I have a letter from XXXX Bank stating that the account is not mine and that they have removed the account from my credit report. I have attached the letter for proof. I want this hard inquiry removed from my credit report.
The company for whom I work uses a First Data product call the Money Network Card. They use this card to reimburse business expenses, pay incentives, and take care of payroll adjustments. The issue is not with how my company uses the card, but rather how long the MNC holds onto money. Each time I have gone to transfer money off of the card and into my checking account, the money is in limbo for an unreasonable amount of time. The money vanishes from the MNC immediately, but often does not show up in the checking account until 3 - 5 days later. There is no logical answer for these unreasonable times other than they hold onto the money and use it for their own purposes or to gain interest. For example, I transferred {$400.00} from the MNC to my checking account at XXXX on Thursday, XXXX XXXX, 2017. The money still was not in my account on the third day. When I called, they said they would not even initiate the transfer until an entire business day had passed ( so essentially they took my money immediately at XXXX on XXXX XXXX ), and did nothing until Friday XXXX XXXX, and told me I would not receive the money in my account until Monday, XXXX XXXX, 2017. I said that was ridiculous and an unreasonable period of time for a very easy, straightforward transaction. I would like this organization investigated for holding it 's customers money " hostage '' for unreasonable amounts of time. i am less concerned about me personally than all the employees of my company who live paycheck to paycheck and need their money right away. My perspective is that this practice of First Data 's is unethical.
I paid for Lexington Law credit repair service to provide ways of removing old or incorrect data from my credit reports. Some items were removed except XXXX who first reported that I was on default for 90 days during the timeframe of XX/XX/XXXX-XX/XX/XXXX. I had submitted application for forebearance because I had returned to XXXX  school. As you would assume, these items, incorrect or not should have been removed from my credit reports because these items are over 10 years old. Lexington law supposedly contacted them requesting a response but not only did they not respond to me XXXX has yet to remove these items of late payments.
I noticed back in XX/XX/XXXX, that Trident Asset Management was on my credit reports for a debt in the amount of {$770.00} for a XXXX account. 

I sent them a debt validation letter along with my FTC Identity Theft report along with court papers for an ongoing Identity theft case. They insist on sending me copies of a final bill as a form validation and completely ignoring the evidence I presented to them to substantiate my claim that this debt was opened fraudulently using my information. 

They 're still reporting on my credit reports after the debt validation letter was sent to them.
I have sent Bull City Financial Solutions a certified debt VALIDATION letter on XX/XX/2018 to verify a debt they claim I owe them and asked for evidence that bears my signature. They have failed to provide all I've asked for/ physical proof that the account is mine. I have also sent the company another certified letter informing that they violated my request and to have the account removed, still no response.
I recently called and submitted a letter to Medical Data Systems Inc asking them to validate a debt. I never received information on the stated amount or that it be reported on my credit report. I asked them to provide the following information : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of  Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in Georgia ; and 7. Your license numbers and Registered Agent finally I ask Medical Data Systems Inc to remove the collection from my credit report until the debt is validated.
XXXX XXXX with the amount of {$2100.00}. I started paying on this debt XX/XX/XXXX. Current balance is {$1200.00}. I have disputed the balance on my credit report. They launched an investigation in which the debt collector stated it was correct balance and still owed {$2100.00}. I then reached out to debt collector in XX/XX/XXXXand XX/XX/XXXX asking to send me a copy of the balance and to update the credit report. I called numerous occasions in XX/XX/XXXXand have not heard from them. I then reached out to all three credit bureau also sending in my proof which shows current balance. Attached is the balance I have after payment was made XX/XX/XXXX.
On or about XX/XX/2017 I submitted a dispute to Experian. To this day Experian has not responded or investigated the issues on my credit report. Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

Experian has violated the FCRA 30-day-to-respond regulation.
TO WHOM MAY CONCERN MY NAME IS XXXX XXXX, IM WRITING THIS DISPUTE WITH HELM ASSOCIATES # XXXX 'M REQUESTING TO HAVE THIS ACCOUNT REMOVE FROM ALL TREE CREDIT REPORTING AGENCY.I NO LONGER HAVE AN ACCOUNT WITH HELM ASSOCIATES.I HAVE RETURNED THE XXXX GRAND MARQUIS.I PAID XXXX FOR IT AND THE BLUE BOOK VAUE IS BETWEEN XXXX TO XXXX.THIS COMPANY IS A RIP OFF, I DONT OWE THEM ANY MONEY. HELM ASSOCIATES WORKS WITH XXXX, THEY ARE GIVE THE CAR BACK TO XXXX TO SELL AGAIN.MY DEBT I HAD WITH HELM ASSOC IS PAID IN FULL.PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT FILE AS SOON AS POSSIBLE.THESE CARS ARE OUT DATED AND BARELY RUN GOOD.PEOPL ARE BEING TOOKEN ADVANTAGE OF.THIS IS NOT THE FIRST COMPLAINT AND I DOUBT IT WILL BE THE LAST.I SPEND TO MUCH MONEY ON XXXX COMPANY HAS CAUSED ME TO BECOME HOMELESS.THEY ONLY OFFERED TO TRY TO GET ME TO KEEP THE CAR AFTER I WAS ALERTED ABOUT HOW THIS COMPANY IS RIPPING PEOPLE OFF.ITS A SHAME AND SOULD BE AGAINST THE LAW FOR THEM TO WORK WITH XXXX ANS SALE THESE OLD RUN DOWN CARS. I THINK THE XXXX SHOULD KNOW ABOUT THIS COMPANY AND SHUT IT DOWN.I DO NOT OWE HELMS ASSOC ONE CENT.I WAS TOLD THAT CAR WAS WORTH XXXX AND NOT EVEN WORTH A TRADE. PLEASE REMOVE THIS FROM MY CREDIT FILE. THANK YOU COMPANY HELM ASSOC XXXX XXXX XXXX XXXX PA,XXXX XXXX
I have had this debt on my account for 5 years,11 months. Over the years I have requested a record of the bill but never received anything proving I owe XXXX XXXX money. I dispute this debt.
I had contacted American Education Services and made a payment of XXXX on XX/XX/XXXX. This payment was supposed to bring all 4 loans down to 39 days past due. When the payment was processed, it was not done as specified when talking to the person that took the payment by phone. When looking at the account, it showed one account being 13 days past due, two others showing 44 days past due, and the other was showing 75 days past due as of Wednesday XX/XX/XXXX. I contacted the customer service on this day and there was a request to re apply payment to correctly show the past due time/amount. If the amount paid was correctly distributed as instructed there would be no issue. As of today XX/XX/XXXX, This was still not corrected. 

Upon looking at the account on Monday XX/XX/XXXX at XXXX hours MST i noticed a change in the current interest rate at 6.06 % for two loans ( XX/XX/XXXX and XX/XX/XXXX ) without any notification at all. I received the new repayment terms from AES via the paperless inbox which was dated for XX/XX/XXXX and showed a 5.870 % interest rate. Again, I never received any notification of this change.