WillisBack/dataset-financial-user-claim huggingface dataset:
After reviewing my credit report in detail at the beginning of 2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

We HAVE request multiple times for the " description of reinvestigation procedure '' and not only did they not respond within 15 days, experian just completely ignored us. If they actually investigated they would see that it has been 7 ears since our very first payment that was delinquent. EXPERIAN simply wants to keep it on our credit report so they can collect more reporting premiums ... very sad Accounts in question are : 1.XXXX - It is 7 years since the 1st date of deliqeuncy Thank you for your time and i 'm looking forward to getting this resolved. have a great day.
Paypal.com in conjunction with a XXXX online order opened a " Line of credit '' in my former name XXXX XXXX XXXX billing me as Paypal Credit. The fees are high, as is the interest rate and as of XXXX/XXXX/XXXX I owe over {$100.00} on a purchase of {$41.00} made XXXX/XXXX/XXXX. 
The first customer service rep at Paypal told me that they do not have my SS # or birthday. Now a few days later, they say that they do. The advertising on the XXXX website for the paypal card is deceptive. 
Your agency nailed paypal for doing this with credit cards in XXXX XXXX according to XXXX Today. Now it appears they have found a way around the issues they were brought to court for and are issuing lines of credit instead. 
I have no paperwork from paypal stating the terms and conditions.
I previously received letters in an attempt to collect a medical debt from XXXX XXXX XXXX XXXX. I never entered into an agreement with this company, have never signed a contract to do business with XXXX XXXX XXXX so therefore I do not owe them any monies. I never verbally or in written communication entered into a contract with this company.
Initially I thought this account was a result of fraudulent use because I specifically requested the account be closed and my purchase refunded when I found out my mother never received the items I ordered for her. When I first ordered the items they were sent to the wrong address. The company agreed to resend the items to her. Months later I asked my mother about her hat and dress and she informed me that she never received them. By that time I had already paid {$95.00} in reoccurring bill payments and with a credit balance of over {$100.00}. I informed the company that she never received the items, I wanted a full refund, and the account closed. The representative assured me this would be done. This company is destroying my credit by reporting the negative account that was a result of goods not received. My Fraud Recovery Specialist has attempted to work with the company to get them to stop reporting the information and issue a refund without much success. 

The collection agency they sent the debt to has assured me that they did not report the negative information so that means the data furnisher is XXXX.
I contacted XXXX XXXX concerning my rewards for opening a credit card and making the initial charges. I met the terms of the offer, however, no one at the bank could confirm the rewards. The bank referred me to XXXX XXXX the bank partner and gave me the XXXX   XXXX number. The number given was of no help. I contacted XXXX  via personal messenger on XXXX. XXXX referred me back to the bank. When you research the credit card offering on XXXX it is impossible to find and XXXX is no longer offering the Visa card on their website.
Was sent new card by the credit card company in XXXX of 2016. Made a charge in XXXX or XXXX of 2016 of {$45.00}. XXXX statement has balance of {$45.00} but I never received any statements from XXXX through XXXX. Received an email today on XXXX XXXX, 2016 that there was a small payment due on my account so I logged on to make the " small payment ''. Upon logging on I found that my balance was {$100.00} because I never received any statements, I was charged a late fee in XXXX and then a late fee on top of that in XXXX for a total of {$63.00} in late fees. The original charge was less than the late fee charges. I then tried to contact Citi Card via phone but recieved the message " due to high call volume we can not take you call '' and I was disconnected. Then after several attempts online I was able to chat with somebody online. However the chat person said they were unauthorized to remove the late fee and that I had to call the company. They also said I could not talk to a supervisor via chat. I made every attempt to get this resolved but received no help or customer service from Citi Cards. It is incredulous that a company can prevent me from trying to resolve my account. My chat person 's name was XXXX. In the end they told me try chatting again another time. The is unacceptable.
I received a loan from this company Easy Money a few months ago. I ran into some financial difficulties and was not able to pay the loan back. I put the loan under debt plan with a company called XXXX. I mailed copies of my paperworK. That I signed. To easy money they Continue. To call me .I received. A csll today from. XXXX they lady told me why she was calling me end I explained to that i had put them in my debt plan and all my other creditors had stopped calling me. I asked for her email or fax so I could have. The paperwork sent to them she said they do n't receve information. By email or fax. I asked how are they suppose to get the information. To her if she will nod give me the information. To give to them. She stated you do n't. Want. Listen to what I am saying so you have a good day
Following a recent review of my credit report at the XXXX, XXXX  and TransUnion consumer reporting agencies, I learned that XXXX XXXX ( account number XXXX ) was reporting delinquent 30 days when this was not the case. In fact, the account should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since XX/XX/2008, I deserve more.
XXXX XXXX XXXX is mis-representing the age of a date and are trying to Illegally re-age a debt by incorrectly reflecting the date of the original debt. A dispute was done with XXXX, XXXX and XXXX. XXXX saw the dispute as accurate and removed it from my report. XXXX XXXX XXXX is stating that the debt was opened in XXXX XXXX 2016 and the debt is older then that. Due to their shady and illegal business practices, I feel this claim of debt by them is unsubstantiated, unfair and is inaccurately reported. I am supported by the fact that XXXX agreed and removed the collection from my report. Furthermore, XXXX XXXX XXXX XXXX has made several harassing and inappropriate calls at all times of the day and night and all days of the week, outside of what is legally acceptable. XXXX XXXX XXXX has not provided proof of the original debt from the original creditor.
I recieved my credit report from a car dealership, and it came out with a different name and address. I also went onto my credit karma account and checked if there was anything unusual about it or any loans that I may have not known about, and there was a mortgage loan under the name of XXXX XXXX, with my social and it was on my account. The person was also making on time payments. Please help!
I have been unfairly treated, ignored and repeatedly brushed off by Cash Call in violation of basic principle of fairness and common sense. This seems to violate Fair Credit Reporting ( FCRA ) and be a perfect example of Unfair, Deceptive And Abusive Practices ( UDAAP ). 
In XX/XX/XXXX I was solicited by and refinanced my house with Cash Call. I did so. 
In XX/XX/XXXX I received a further solicitation from someone at or posing to be at Cash Call to pay my monthly mortgage payment on a by-weekly basis in order to save interest and pay off the loan early. I did so. 
In XX/XX/XXXX I paid 1/2 of my mortgage payment 2 WEEKS EARLY and then paid the balance ON TIME WHEN the full payment was due. In total, I paid the entire balance ON TIME. 
A couple of weeks later I received a late notice on my mortgage payment. It turned out that Cash Call rejected both my early and on time payment since they do not take partial payments. I called them several times to work this out, was ignored, was prohibited from getting an address to send a complaint, was told there was no complaint resolution process, was not allow to escalate my concerns to any level - not even a supervisor, etc. They ultimately refunded both of my bi-weekly payments and reported me as being 30 days late before I could even figure all this out. The mortgage was fully paid off in XX/XX/XXXX and now I can not even find people who have record of any of this. 
Today I called Cash Call again to try one more time to talk to anyone that could help me and was completely stone walled! When I called the number given on the credit report XXXX referred me to her supervisor ( another XXXX? ) who referred me to the mortgage group where XXXX referred me to the Cash Call receptionist, who referred me to a recorded message that got me back to the exact place where I started originally. This has happened to me several times at every lever I have ever reached. I was told THERE WAS NO COMPLAINT RESOLUTION PROCESS. I am a XXXX of at least normal understanding but find it impossible to work my way through the Cash Call system and find a human being at any level that can address my complain. 
I am available to help you resolve this for me and will gladly file a complaint or otherwise assist the government in getting this resolved. Please help me. 
I respectfully request that Cash Call rescind my 30 day delinquent status that shows up for XX/XX/XXXX on my credit report.
I keep receiving calls from Portfolio Recovery in an attempt to collect a debt for XXXX XXXX that I was told I no longer have an obligation to pay since the debt was from 2004. I asked them to please stop calling and I have also registered with the Do Not Call List. Now they are harassing me at my job initially they were calling my home phone now they are calling my cell phone and job phone.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
In  XXXX  I opened a bank account with Bank of America. I was looking for a loan with an internet company that said they could approve me with a loan but they needed to verify my bank and account info. They tried to make a deposit in my account but it was something fraudulent with my name on it. Bank of America closed my account and wo n't let me open another and I ca n't open one with anyone else either. I did n't do anything wrong other than try to get a loan. I contacted the company and they said that it was n't them who I was talking to and dealing with. They said that sometimes internet companies will use other companies names to give out money but there most of the time fraudulent and not the company they say they are. At this point I did n't know what else to do I did call the actual company to complain but because it was n't that company technically they could n't do anything. I also tried to explain to Bank of America that I was unaware of what happened and that I did n't do anything fraudulent but they still close the account and refused to let me open up a new  one  and now because of this I 'm flagged in some sort of banking system and I can open a bank at any Bank and this is so frustrating I need some help please.
I have submitted this complaint multiple times and will continue to do so until resolved by you and them. The account is joint with my husband and hence we SHOULD reflect the same information on ALL credit bureaus reporting agencies and both of our accounts. The issue remains that XXXX was required to close the account due to the LAW and noted it was closed by us because THEY had a security hold on the item we borrowed against. That precluded our gaining a mortgage acceptance along with the incorrect credit reporting severely handicapped our ability to refinance our debts. We remain with very low FICA scores.
In the past 2 months my family and I have been heavily impacted by hurricane XXXX. XXXX XXXX is the only bank not acknowledging that we are part of a declared natural disaster area per XXXX. XXXX is not willing to work with me in any way and will not even give us one month to recuperate and get back on our feet. XXXX has reported me 30 days late and according to XXXX XXXX XXXX XXXX Id # XXXX ) ) they will not be deleting any 30 day negative credit reporting.. Not only was this manager so condescending and not at all compassionate, one of the representatives from the collections department ( ID # XXXX ) threatened that the car would be repossessed and hung up the phone on me after acknowledging I wanted to be transferred to customer service. XXXX has shown no consideration, no compassion, no support or concern during this difficult time. Other lenders have proactively reached out to us to assist, postponed payments, and suspended negative credit reporting since XXXX has declared our area a natural disaster.
There are four different collections on two different reports in regards to a XXXX bill that i do not believe i owe. one is not even in my name. I have written several certified letters to the agencies on the reports requesting information and they have failed to respond. I have also sent them certified letters requesting that they remove the info from my reports since they refuse to send me any information regarding these accounts, but they still will not respond.
i contacted XXXX on XX/XX/2017 about my account showing {$80000.00} were as just last month balance was {$79000.00}. There customer services rep said it was XXXX is what he see. my question to him was why on all XXXX credit report it showing the XXXX. He gave me a fax number which i fax to XXXX and they still refused to correct. the real question is who at XXXX trying to subitise my credit. this XXXX is more then what i started with after my modification. in the last 18 month never miss a payment and the payment goes up. please make them correct because its over my limit i started with and having a affect on my score.
I have mailed the credit bureaus letters requesting old inquiries be deleted off of my credit report.It has been going on for over 2 months. I also disputed the different socials to be deleted as well which are not my social security numbers. Most inquiries on my report are over 2 years and some are not authorized.
I have a paid collection on my credit report from Franklin Collection Services , Inc listing an old XXXX XXXX XXXX account. I have spoken with several XXXX XXXX XXXX representatives that all express confusion over this collection and assure me it is a misunderstanding, there is no reason for Franklin to report this account at all, the account shows good standing in their system and they will contact Franklin and make sure the collection is removed from my credit report. I am attaching a payment confirmation XXXX XXXX XXXX sent me as well as transcript with an XXXX XXXX XXXX representative.
I left XXXX XXXX at XXXX on Thursday XX/XX/XXXX I traveled to XXXX. Before leaving, I called Chase Bank to let them know that I would be gone in XXXX until XX/XX/XXXX, and then I would travel to XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, and that I would be back to XXXX XXXX XX/XX/XXXX. The operator made a note on my account and I specified that I was letting them know to avoid having my card blocked as I would really need it. Today is Saturday XX/XX/XXXX and as I was trying to order a pizza, my card didnt go through. I then called the fraud prevention team. They didnt try to ID me, instead they asked me to go to a branch so a banker could ID me and override the lock on my card. I explained to them that I wasnt able to do that because as I explained before I left, I was in a foreign country. I spoke to 4 different people included the international team, none of them asked me for any information to ID me. I then called a banker that notarized a document for me on XX/XX/XXXX, XXXX XXXX of the XXXX beanch, who proceded to make a 3 way call with someone on the phone from Chase. Again, besides asking for my name, no attempt at IDing me was made. When XXXX XXXX asked if there was any record of me calling to advise that I would be gone for 3 months, the agent on the phone said that she wasnt able to give any information from the account while [ I was ] on the phone and that I needed to go to a chase branch. I am now stuck in a foreign country without funds and ways to eat or even survive and Chase wont do anything to help regardless of the fact that I have been a client for 7 years and that I did what I was supposed to on my end. They never asked me for anything else than my name and card number, both of which I was able to provide. I asked them to please try and ID me and they were unable to do so. Please help me I need to be able to use my card
A call from integrated services it was a robocall. Basically the voice said that they were attempting to contact but they bleeped that name out. The recording went on to say that they gotten some legal paperwork and if I did n't get ahold of them today that I was going to be facing federal and state charges for not paying a financial Institution. At the time I did not know the company 's name that called but I did a little research I found out that their name was integrated services after that point I did a web search and found out that there is no law firm by that name.
I open a bank account with BB & T on XX/XX/XXXX account # XXXX. I opted in for ACH check overdraft review but specifically instructed BB & T to not consider authorizing and paying items that will overdraft my account for ATM withdrawals and everyday debit card transactions. On XX/XX/XXXX, I closed the above mention account number because the account had been compromised and opened a BB & T Bright Checking Account ending in XXXX. The representative that assisted me was XXXX XXXX NMLS # XXXX at the Branch located at XXXX XXXX XXXX XXXX, NC XXXX. Again I instructed BB & T to not consider authorizing and paying items that will overdraft my account for ATM withdrawals and everyday debit card transactions but to opt in ACH check overdraft review only. On XX/XX/XXXX I went back into the branch to speak to XXXX XXXX and advised him that I thought that I had inadvertently made over draft changes, on the voice response system on XX/XX/XXXX, for debit card overdraft review and wanted to make sure I cancelled it and to instruct BB & T to not consider authorizing and paying items that will overdraft my account for ATM withdrawals and everyday debit card transactions when there are not have sufficient funds in my account. I was assured by XXXX XXXX on XX/XX/XXXX that I was only opted in for ACH check overdraft review only and opted out for ATM and debit card transactions and no overdraft changes had been made. On XX/XX/XXXX, I was charged {$100.00} for XXXX debit card transaction fees, {$36.00} each for debit card transactions authorized when there were not sufficient funds in my account. I spoke to XXXX XXXX on XX/XX/XXXX he advised that he had misinformed me on XX/XX/XXXX about the overdraft changes because it takes three days to show any changes authorized on the voice response system, so he would not have seen the change, on the day of our conversation XX/XX/XXXX, that could have taken place on XX/XX/XXXX, because it would not have shown in his system until XX/XX/XXXX. I told him I need to be credited to my checking ending in XXXX for the bank fees charged to my account by no fault of my own since I had instructed BB & T to not consider authorizing and paying items that will overdraft my account for ATM withdrawals and everyday debit card transactions when there were not sufficient funds in my account. XXXX XXXX advised he could only credit XXXX bank fee of {$36.00} on his level and that he would have to submit the other XXXX bank fees totaling {$72.00} to his superiors for credit and he would call me back but I have not heard anything from him and my money has not been credited back to my BB & T Bright Checking Account ending in XXXX.
Original Creditor is XXXX XXXX located at XXXX XXXX XXXX in XXXX, FL the Collection agency is XXXX XXXX stating I owe {$1300.00}, I am disputing this company because I left the apartment due to flees and the Apartment building didn't wish to have apartment exterminated after I had ask them on several occasion. I never received my deposit as well.
I have had a store card issued through XXXX XXXX for XXXX XXXX XXXX stores for nearly 3 years. 

Recently, without my permission or authorization they did a hard pull on my credit and decided to lower my credit limit ; despite the fact I have an excellent payment history with them and have been working diligently to pay my balance off ( before any other accounts actually ). 

This has caused my credit rating to go down ; harming me significantly. While I do understand it is their right to issue credit as they see fit ; the reason that there were some negative marks on my credit report the day they performed their unauthorized credit pull was because my identity had been stolen. 

XXXX was already aware of this as I had sent them correspondence regarding the ID theft a few months ago and if the credit bureaus were actually doing what they are supposed to do they would have not released my credit information to them anyway without verifying my identify. 

Neither XXXX nor the credit bureaus contacted me.
I have contacted Equifax on 3 different dates to remove inquires on my credit report that i did not authorize which would be fraud. I have asked them to validate these inquiries according to FCRA. They have not. These inquires are from XX/XX/XXXX to XX/XX/XXXX.