WillisBack/dataset-financial-user-claim huggingface dataset:
SEVEN/TEN YEAR RULE UNDER FCRA GUIDELINES - REMOVAL OF TRADE LINESXXXX new decisions - XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ___ XXXX ___, XXXX XXXX XXXX ; XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ; and XXXX ( XXXX XXXX XXXX XXXX XXXX ( ordered depublished XXXX XXXX, XXXX ) - have changed, clarified, or confused ( depending on your point of view ) the legal landscape in California as to the legal obligations of so-called " furnishers '' who furnish credit-related information concerning consumers to credit reporting agencies. These cases address the obligations of furnishers under federal and state law to supply accurate information, as well as a furnisher 's obligation to " reinvestigate '' a consumer 's dispute. These cases also indicate that, for the time being at least, a heretofore unrecognized private right of action exists under Civil Code 1785.25 ( g ) and 1785.31 for failure to accurately report credit information in violation of 1785.25 ( a ). An understanding of the relevant history is important before one can properly evaluate the current state of the law and the XXXX and XXXX decisions. 
The Original FCRA Legislation Applies To Credit Reporting Agencies OnlyThe Fair Credit Reporting Act ( FCRA ), found at 15 U.S.C. 1681, et seq., was originally enacted in XXXX. The express purpose of the FCRA was to require that consumer reporting agencies adopt and implement " reasonable procedures '' for ensuring that credit information about a consumer was collected, maintained, and dispensed " in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information ... '' FCRA, 15 U.S.C. 1681 ( b ) ; XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, XXXX. The Congressional findings noted that " [ t ] here is a need to insure that consumer reporting agencies exercise their grave responsibilities with of fairness, impartiality, and respect for the consumer 's right to privacy. '' FCRA, 15 U.S.C. 1681 ( a ) ( XXXX ). However, the credit bureaus do not follow through with any methodology a system that automatically removes an antiquated credit trade line, which leave creditors in control to remove a negative trade line at a later date by simply re-aging the trade line payment history. 
Notice that a positive trade line can be maintained for a ten year timeline from the credit procurement after the account has been closed out. The ten year timeline carries from the date the credit trade line was first reported to a credit reporting agency, or from the date of procurement of the debt. 
I demand the above referenced credit trade line removal based upon the passing of the seven/ten year timeline. And I maintain that there is no further relevancy to the debt being posted under FCRA guidelines. The above-referenced state cases show that the accuracy of credit reporting carries into state court cases as well, whereas a creditor can be brought up on serious civil charges outside of federally protected jurisdictions under FCRA.
I recently received an email from Old Navy stating that my account was three months past due. This is a pretty low balance card, and the payments in the amount of $ XXXX/month had been coming out automatically every month, around XX/XX/XXXX. I did not receive a phone call, statement, or any prior communication stating that the account had fallen past due, or that the payments had stopped coming out of the account. As a result, I now have delinquent marks on my credit. None of the my other debt is past due and this has seriously impacted my score. They claim not to have my updated address ( not true ), and also claimed not to have my phone number. The information was available to them, and I 'm not sure why they 're stating it isn't/was n't. I brought my account up to date immediately and will be paying off the card next month. It 's already closed due to 'a history of serious delinquency ', which is strangely both laughable and offensive at the same time.
On XX/XX/2016, I requested a credit report from Transunion. Without my knowledge or consent this signed me up for a $ XXXX/month 'credit monitoring ' program. I never signed up for this. Every month {$21.00} has been taken from my account for a service I do not use nor ever singed up for.

I spoke to their representatives who said they could only reimburse me for the past three months. Their emails went to my spam, and I didn't notice the {$21.00} charge until this month.

I can't imagine anyone would knowingly sign up for a {$21.00} monthly charge to 'monitor ' their credit report when they could just freeze their account. This is totally absurd and has cost me over {$500.00}.
Crummy SETERUS mortgage servicer non-responsive to my inquiry into the h.a.m.p. incentive payment of {$5000.00} dollars. It has been over 5 weeks ( XX/XX/XXXX ) since they made the claim that it would be processed and paid out in a few weeks. The representative XXXX XXXX in her letter stated that if I have any questions to contact her directly. Have yet to get any response from her have left XXXX messages. This is the typical XXXX this XXXX company uses to delay and obscure their responsibility to address customer concerns. AS of XX/XX/XXXX I have yet to receive the funds or followup reply in this matter. Apparently they prefer to LIE and DELAY this payout in order to profit from the interest they gather from the {$5000.00} dollars. Never have I dealt with such a DISHONEST and LYING company in my XXXX years. They had the nerve to state " We strive to provide excellent service at all times and regret that we fell short in this instance. '' XXXX They failed at proper customer service XXXX % of the time since XX/XX/XXXX. AS if it was only once. What a XXXX lie. How is it this company is not fined for their deception and lies?
I had XXXX charges that cleared last week, then my Wells Fargo account went negative qith XXXX charge. When I looked at my account again, XXXX or XXXX of the cleared charges had now shown a date that was after the account went negative. The next day, all XXXX charges were now after the overdraft date and the bank charged me a {$35.00} late charge for each of these purchases ( between $ XXXX ). So, I am even more negative now ( from {$170.00} to {$340.00} ). Also, within the last month, I have gone negative XXXX, but the bank later reversed the charges -- was charged an overdraft fee for each instance even though the overdraft had been reversed by the bank.
With date XX/XX/XXXX, I made a payment of {$120.00} for cell charges. Numbers XXXX, XXXX and XXXX at the store # XXXX of the XXXX of XXXX FL. ( see Receipt # 1 ) On XX/XX/XXXX, I went at the store # XXXX of XXXX to transfer the Cell number XXXX and XXXX to XXXX, explaining to Sale Rep. that the line XXXX is not going away to use any more. 

The day XX/XX/XXXX, 16 days after I made the change of the numbers to XXXX XXXX XXXX, I went again in the Store # XXXX of XXXX and made a payment of {$110.00} ( See Receipt # 2 ) Then I received a notification from XXXX that Cell line XXXX was delinquent and had to pay a penalty, so I went to Store # XXXX again on XX/XX/XXXX and made a payment of {$100.00} for this line that was not been used or had charged minutes since I transfer the other lines ( See Receipt # 3 ). Again I told the XXXX Representative that this line was not in use, he replied that is better is I will call at XXXX. I made the call and talk to the Representative named XXXX XXXX # XXXX cancelled the line ending on XXXX. 

After I made all this payments, I had been notified by XXXX  XXXX XXXX that I had reports on my credit for delinquent. I suppose this was the reason for the denial of credit lines that I was applied. This did not stop and they kept on sending collection notification to the credit bureaus and phone calls to me, until I received the last notification ( XX/XX/XXXX ) from the office of a lawyer Maury Cobb Attorney at Law LLC.  Asking me to pay a total of {$370.00}. 

I went several times in XXXX XXXX and I made phone calls to the offices of XXXX to complete this problem and they continue with this abuse harassment since XX/XX/XXXX. 

I consider myself a citizen complying with the laws and with a record of good moral behavior and with a good credit record that they are affecting. 

For this reason I demand that my credit wil be repaired by XXXX and leave this abuse and harassment. 

Thank you
Equifax is improperly keeping old accounts in my file after that were lawfully required to remove them by falsifying the records and changing some of the information in order to retain the records for an indefinite period of time. Equifax has knowingly and interntionally refuse to remove/purge the negative/derogatory accounts in my file after seven years as required by law. They have done this by knowingly and fraudulently altering both the status and the Status and/or Payment History on the account. They have done this in order to prolong the account in my file. I have file numerous challenges to their incorrect information and have contacted them by telephone. Also, I have attempted to dispute the information many times. Equifax makes it impossible to rectify the problem. The US Government needs to shut these criminals down and ban them from keeping records of United States Citizens and they should not be allowed to operate in the United States.
I owned a checking account with Bank of America. The account carried no monthly fee due to there being a waiver on the monthly fee. I received a letter in the mail indicating that the bank will be converting my account into a different type of account which carries a $ XXXX monthly fee. However, the letter unequivocally stated that I will not be charged the fee due to there being a fee waiver on the account. A few weeks later, I discovered that the fee was charged and my account was brought into the negative. I went into a BofA branch located at XXXX XXXX XXXX. in XXXX, FL. I brought the letter with me and showed it to XXXX at the branch. XXXX studied the letter, and then nervously told me that he 's not a lawyer and could n't interpret the letter. I asked him to waive the fee, which he attempted to do but told me he could n't since the system would n't allow it. I was unhappy with this response, and told him that I would deposit cash to bring the account to a XXXX balance so that it could be closed. I did and XXXX closed the account. I chose to close the account because I did n't want to give the bank additional opportunities to harvest fees on the account. The {$25.00} fee had already been charged despite the letter indicating, clearly, that a fee " will not be charged ''. The charging of the fee was an unfair and deceptive practice, in that the fee was not reasonably avoidable, and the terms of the letter I received in the mail was misleading. I would like my {$25.00} refunded.
I've filed Bankruptcy in 2017 and there was a debt, XXXX XXXX, that was included in my bankruptcy. On my credit report, it is listed as a collection with an outstanding balance which is included in my Chapter XXXX Bankruptcy. After 3 attempts to dispute the item and even provided supporting documentation for the item, Experian, XXXX  and XXXX continue to allow the item to remain on my credit report. I've demanded them to re-investigate the item and they refused.
The recent Equifax hack ( XXXX-XXXX 2017 ) potentially leaked all of my most valuable personal information online. I would like to know what steps will be taken by Equifax to right this wrong. I would also like to know Equifax 's legal culpability in this event. For example, I am held accountable for how the information in my credit report is used, including if it is stolen. I expect the same from Equifax and view this as gross misuse of the information they have been entrusted with. My social security number is issued by the US Government and therefore I am also curious as to how they will be involved in this investigation. I personally believe the entire social security number system has been invalidated by this leak and this will be an expensive problem to fix, the responsibility of which I feel belongs to Equifax.
XXXX XXXX XXXX - I have already filed a complaint with this website about these people. The complaint was recent, about a week ago. The company answered the complaint and I submitted feedback. Well alas, the problem continues. These people clearly do not comprehend what is happening. They called today, Thursday, XX/XX/XXXX, claiming that the call was to collect a debt for debt collection purposes. They continue to harass me, with this being the fourth call after I submitted the complaint. There is a statute of limitations in relation to this case. This debt is eleven years old, it started in 2007. XXXX continued to harass me for eleven years and then XXXX sold the debt to XXXX, who now continues to harass me. XXXX has stopped, at least for now. They seem to get it, at least for now. I clearly will never pay this debt - there is a law about it - its called the statute of limitations. So XXXX, get your act together and get off my back!!!! You are wasting your time!!!! If you continue to harass me, I will continue to file complaints!!!! GET A GRIP XXXX!!!! You must be going out of business and this is your effort to collect on an aged debt!!!!!
This is a follow up complaint to XXXX and, in spite of agreeing with this complaint, XXXX XXXX continues its harassment, intimidation, and incorrect billing. 

To pick up where we left off on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX offering to settle the ( incorrect ) bill for {$1300.00} or 80 % of what they claimed. There was no mention of CFPB complaint. 

On XX/XX/XXXX I was informed by XXXX XXXX that they processed my claim on behalf of XXXX XXXX XXXX and was paying {$1000.00} to XXXX XXXX XXXX. I sent the balance of {$280.00} along with a letter requesting a full, complete, and accurate statement. I further demanded that any derogatory information sent to credit bureaus be rescinded. 

On XX/XX/XXXX I received a letter from XXXX confirming payment of {$1000.00}. 

Instead of granting my request of XX/XX/XXXX on XX/XX/XXXX I received a letter dated XX/XX/XXXX from a debt collector, XXXX XXXX XXXX, claiming on behalf of XXXX XXXX XXXX and addtional {$330.00}. 

I replied to this letter stating the account is paid in full. 

It is clear that XXXX XXXX XXXX is attempting to bully me into paying additional money in spite of their offer of XX/XX/XXXX. It should further be noted that the lease was paid through XX/XX/XXXX.
I do n't have access to my money for some days now. I ca n't even do a card to card transfer. I ca n't get through on the phone lines. I need my money real badly. I am single mom of XXXX. I need my money.
Currently as noted online, I owe Wells Fargo {$390.00}. I had a deferment on my account and requested this as I was finishing my semester. I had asked for this and still had problems and some of the accounts were not deferred initially but eventually everything was sorted out. After graduation in XX/XX/XXXX, Wells Fargo cancelled the deferment I suppose because I graduated but I have not made a payment and began searching for a job. I have recently started at work but do not get paid until the end of the week. I plan to make a payment to rectify the debts I owe as an honest person. However, Wells Fargo has consistently called and harassed me many many times. For example, they have already called me today twice at XXXX and XXXX EST. Yesterday they called me 4 times at XXXX, XXXX, XXXX, and XXXX EST. This is only a summary of the recent calls from this exact number. This has been going on for at least 2 weeks or more with other numbers as well. I believe it to be harassment at this point. I have sent a message explaining my frustration today and was unable to contact them by phone. In the past, this has happened multiple times and I have received Robo calls, text messages, and human calls repeatedly. Sometimes, after I had already spoken with them and had payments or deferment processing. They call regardless.
We've been trying to modify our loan with Wells Fargo. They have put up many obstacles to avoid the modification and have refused to use our proper income. Well Fargo recently sent a legal letter threatening foreclosure. This goes against the Foreclosure regulation that guards against dual tracking. This is a state and federal offense. 
Wells Fargo has refused to extend the term of the loan saying the investor would not allow it. 

Recently we found out that this was originally a XXXX loan that Wells Fargo acquired. The original loan was subject to a California class action lawsuit requiring modification. Many in the class have been modified. It is incumbent upon Wells Fargo that they modify the loan including extending the term of the loan. 

We have made many demainds to Wells Fargo to produce documents which they have failed to do. We have asked for the loan and securitization documents without getting any results. 

I am a XXXX XXXX XXXX veteran and my wife and I are asking for help with this predatory loan
XX/XX/2019 I contacted Navient regarding and advertisement on social media that reads .... Ripped off Borrowers by Sallie Mae & Navient are now APPROVED to remove ALL STUDENT LOANS with NEW 2019 FORGIVENESS PROGRAM- This happens ONCE every 100yrs- APPLY now before its too LATE. NAVIENT targets in Class- Action Lawsuit Accused of misleadIng customers about Loan FORGIVENESS.. Upon contacting Navient I asked them about the statement above and I called them seven times and they disconnected the phone call. I was calling to get my Loans removed and was unsuccessful at anyone giving me any information regarding how they could or couldn't assist me. I would like for all of my Student Loans to be dismissed including all occurred interest. My Loans are currently in deferment and want them removed asap. I Will also report this to the XXXX for feature reviews.
I receive daily calls from a recorded message saying that they are looking for a named person who I do not know and that my telephone number and the persons name is somehow associated to my information. The calls are threatening if I do not return the call which I never have.
Capital One Mastercard simply stopped mailing me statements. When I called Customer Service ( 3 times ) I was told that representative could not explain what had happened. My last call had a representative tell me my credit card account had been sold but no contact information was available.

In the meantime, no monthly statements have been received in almost 3 months. I have continued making payments but am seriously concerned about what Capital One is doing to my credit score.
I have a loan modification thru Bank of America. The loan gradually increases in ( ARM ) until it is supposed to cap out at 4.5 % per the original loan documents. I have contact BofA numerous times, they are now sending me documents saying that the loan caps at 5 %. I have called them and asked them to correct this. They say I am right, it will cap out at 4.5 %, but yet they continue to send me documents and charge me amounts different than what my loan documents say my principal and interest is.
t was happened at XXXX. XXXX XXXX ( office ) on XX/XX/2018, the first time, I used the XXXX signature visa card to pay the amount of {$5500.00} and it was declined, then, the merchant asked me to use other credit card, I said, I may be change mind, I held the citi visa card, he took it then charged it. I got home and checked my acct, the amount was on there and was pending status. I called to the citi billing disputes dept on XXXX, I got a case confirmation # XXXX. Later, I faxed all documentation to the citi when they requested. I called back to the citi on XXXX, they told me, the case is still continue to processing now, and will remove that amount from my acct. Now, I received the new message from the citi on XXXX, the amount of {$5500.00} back to my acct. I am requesting to resolve this issue.
I did receive feedback from the Synchrony bank XXXX, expires XXXX/XXXX/2018. that they were contacted by consumer finance government. I am still being sent a bill claiming that I owe the bank {$35.00}. It might have been reduced to {$9.00}. There was no change reflected on my bill. Please contact this bank again. I do not owe this bank any money from purchases made on the bank. This bank is charging me for insurance which was never purchased or used. I am simply a shopper at Amazon. 
XXXX XXXX XXXX
Geneva financial created alleged money that was advanced on behalf of me from thin air by bookkeeping entry. They willfully and maliciously led me to believe they gave me a loan, in which I receive no alleged money.They did not disclose to me that my signature allowed them to create the money on my behalf. The money created never went into my account, nor did they disclose to me when they acquired the money through monetizing the note ( promissory note ). They led me to believe they were acting in good faith with clean hands and the alleged loan documents were lawful binding contracts. I was unlearned an unaware a novice to the laws and operation of the bank and real estate industry and this company took advantage of this fact to fraudulently deceive me. The alleged loan document contract is ultra vires, void by not meeting the lawful requirements of a contract, to wit : 1 A 'meeting of the minds ' did not occur ( full disclosure of the facts involved in the operation of the contract. 2. no valuable consideration was exchanged, on this note promises were made however I did give and ambiguous signature, they in return never signed, there was no risk or liability on their part, because no money was loaned. I am not liable by my signature as well. They did knowingly create fraud against me the proof which is on the the Summaries of transaction box 22 it clearly states " Total paid for by the borrower '' proving the home is already paid off by my signature but this company keeps sending documents through the mail misleading me to believe i still have an outstanding debt obligation.They too are threatening foreclosure action even though their first lien is past the 120 day STATUE OF LIMITATION .U.S.C.78c Section 10 violation of Regulation Z, violation of the code of federal regulation 12 CFR 226.23 and 12 U.S.C 226.23 Appendix H have all been violated which gives me right of rescission. Geneva Financial never disclose their note is a security. In selling my security to XXXX XXXX where is my portion of the dividends? Where is the interest from the money they are making through UCC 8-102. I have rights to the funding source which was my signature. They are not allowed to hold a note period. Nor or they allowed to loan their own money or depositors money, so where is the money coming from they loan me? They got the money from my credit. The security agreement was done in constructive fraud, and violates every disclosure requirements. Signing a note for me is fraud / lack of full disclosure and identity theft. Base off documents they made money off my credit 3 times, however it could be more. There was no disclosure stipulating the utilities left in the house, I was told all utilities left in the house belonged to me. A fridge, washer and dryer were stolen from the home which throws off all their loan calculations by XXXX dollars.