WillisBack/dataset-financial-user-claim huggingface dataset:
I already filed a complaint numbered XXXX against XXXX  XXXX, as well as against Discover Card numbered XXXX. This complaint was also against XXXX XXXX for the same problem, which was for reporting literally 15 year old information on my XXXX credit report, and perhaps XXXX/XXXX and/or XXXX  and/or other credit reporting agencies. In short, XXXX XXXX has already done the right and legal thing by deleting these age-old accounts, and Discover and XXXX XXXX need to do so as well and immediately ... as does XXXX and any other credit reporting agency. 

They ( XXXX XXXX ) responded that they need more time to research. BUT -- Attached below please find the response correct response, which took XXXX XXXX   much less time ... which response is that all of these accounts are WELL over the age where they, by law, MUST be immediately removed from my credit report. In short, XXXX XXXX  did the right thing and complied with the law, now Discover, XXXX, and, most important, XXXX, must do the same! Here is the proper and legal response from XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Card ending in XXXX Dear XXXX XXXX : We recently received an inquiry from the Consumer Financial Protection Bureau regarding the above referenced account. I was asked to review and respond to your concerns regarding the credit reporting of the account. 
Upon review, our records reflect that the above-referenced account was opened in XX/XX/XXXX and was subsequently closed in XX/XX/XXXX. Please accept this letter as confirmation that a request has been sent to the credit reporting agencies to delete any reference of the account from your credit report. It may take 30-45 days for the credit reporting agencies to update their records. 
Your prior requests were declined due to the timeframe in which they were requested. 
XXXX is not affiliated with Discover or XXXX XXXX, and it will be necessary for you contact them directly regarding your concerns with them. 
Thank you for allowing us the opportunity to respond to your concerns. 
Sincerely, XXXX XXXX Executive Response Unit XXXX FEDERAL REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE cc : Consumer Financial Protection Bureau XXXX Case # XXXX our telecommunication number for our hearing-impaired customers is XXXX.
XXXX and XXXX Called me, my husband and mother-in-law stating they had a summons and had questions about a property address. They also said ( XXXX times ) that this was their final call. They made it sound like some sort of emergency, I was given a case number. They call themselves the XXXX XXXX, and are asking for a social security number.
I no longer want to dispute this account because I am trying to get my insurance company to pay the bill and was told by XXXX at commonwealth that they will not remove the dispute comment until I pay the account in full. I also can not get XXXX to remove the comment because the creditor placed the comment. There are XXXX accounts that need the comment removed
in regards to complaint number XXXX company states they have verified this debt. I have received no documentation from experian regarding what was used to " verify '' this charge off. This account is still on my credit report in good standing I should not have a charge off for this account. Provide the proof of this debt being valid and proof that this should be a charged off account. Also company did not respond to my CFPB complaint at all. this should be removed from my credit report as company and credit bureau should report correct information
For the last 6 months have called 3 times a day Monday -Friday. When I do answer they fail to answer, and when they do they have incorrect info. Refuse to let me speak to an XXXX speaking manager.
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
On XX/XX/18, I tried to get a loan with my bank. A credit card with THD/CBNA showed up and says I am an authorized user. I do not know anything about this account. The Home Depot says they cant tell me whose account it is and they cant take me off the account. ( I have an account with Home Depot that has been paid perfectly. ). This account has been paid seriously late a couple times which has affected my credit. They owe {$1100.00} and the monthly payment is {$68.00}. The credit bureau couldnt help me and Home Depot wont help me. Please let me know what I should do. I am trying to buy a home and this is keeping me from getting a loan.
I 've had two different instances where Capital One did n't process my payments within 30 days even though it was received within that time and STILL decided to report it to the credit agencies as a 30 day late payment.
I Received A Letter From XXXX XXXX XXXX, Dated XX/XX/XXXX ... Stating My Account Has Been Assigned To Professional Bueau Of Collections Of Maryland, Inc ... .Stating I Had 30 Days In Order To Dispute This Debt Or It Would Be Deemed Valid ... .After Checking My Credit Report ... .On XX/XX/XXXX, They Had Added This Account To My Credit Report. I Have Never Had An Account With These Collection Agencies ... ..XXXX XXXX XXXX Or Professional Bureau Of Collections Of Maryland , Inc ... .The Account They Are Noting Was Lasted Reported In XX/XX/XXXX And They Never Gave Any Information As To Them Being The Rightful Owners Of This Debt Or Entering Into A Signed Contract With Me In The Payment Of Said Debit.
My loans were originally around {$80.00} thousand. After working with Nelnet the past few years my loans have increased to {$95.00} thousand. I have been in a deferment status for most of the year while they were " processing '' the annual evaluation of my income based repayment plan, this took nearly 5 months. I 've been with the same emplyer since XXXX 2015. My salary only increases around XXXX dollar every year. My first year with Nelnet my monthly payment was under {$300.00}. The next year my payment was close to {$500.00}. I was also contacted by XXXX XXXX aka XXXX who offered to help get my payment down to under {$200.00}, they warned me that there was a federal lawsuit against Nelnet 's parent company XXXX and that I should no longer keep them as my provider. XXXX offered to get me a new loan servicer for a monthly fee of {$40.00}, and received a letter 3 months later from Nelnet that {$2.00} thousand would be added to my loan and that they were still my provider. This never ending process of adding interest to my loan seems unethical and legal. I 've been wanting to contact a lawyer to dig deeper, but feel insecure that I might not have that correct understanding of how the system works. At this rate I will pay my student loan well into my grave, which will then probably acquire interest in the afterlife as well.
I am a XXXX yr old successful independent businessman who has a major issue with Chase bank who refuses to grant me a simple revolving credit card even though i have been a customer for a decade with no issues. It is impossible to express my frustration even though i have disputed a item which was not mine, and have clearly maintained active and accounts in good standing i can not get a simple card to begin to build credit. i do not intent to abuse it. nor over use it. just to be like most people and get a chance.
I have been disputing this inaccurate account information with the credit bureaus for over 3 months. I also have sent a certified letter directly to the company. They never responded at all and have not corrected or removed the account. I also told them NOT to call me in my certified letter and guess what they did. They started calling an d harassing me After they Signed a certified letter stating NOT to call. They are now in violation of 47 USC 227 TCPA, 15 USC 1681 FCRA s-2 and the FDCPA and the UCC 9-503.
I filed for a discharge with XXXX once I terminated my classes due to the fact that I was not employable in the XXXX field due to my XXXX and XXXX XXXX. Once I was told I would not qualify for any employment I immediately resigned from my classes @ XXXX University. XXXX XXXX told me I needed to file a discharge based on failure to benefit when I did they refused my application and wanted me to put a different school, aa school I never attended. Then I was told to file a discharge based on school closure. Because I attended XXXX and it changed to XXXX. And personally I would have never attended XXXX College and was not attending an XXXX College due to the fact their diplomas and certificates were not vaild any where. After I filed, XXXX XXXX refused to accept my discharges kept telling me the school info was not correct and I explained to them I never attended XXXX, That was not the name of the school I signed a contract with and I never stepped foot in the doors of the school once the name had changed to XXXX. Also I noticed that XX/XX/XXXX it stated I went to school again, I did not apply to go to school nor did I sign up for school or attend school XX/XX/XXXX. I moved to XXXX XX/XX/XXXX I have tried disputing this charge for long time Navient and XXXX XXXX keep claiming that it is mine nd I told them I NEVER went to school or attended classes XX/XX/XXXX. I have also conteacted The Dept Of Education Obudsman and did n't receive any help there. So now I am being informed that years ago I should have been offered the repayment plan based on my income, and I was never once offered that plan. they just kept sending me to forbearance and deferment, after telling them I was on SSI and had no other income due to my XXXX, If the law was based that I was eligible for the student loan repayment and then forgiveness based on ability to pay I would n't even have these loans. So now my loans are inflated with ridiculous interest charges, I cant get no credit due to my debt to income ration because of my student loans. Then I found out they took it upon their selves to consolidate loans. and when I asked for a promissory note they could n't provide one from XX/XX/XXXX when I applied for school at XXXX. But instead they sent me something from XX/XX/XXXX that I never seen. So I am looking for help to either discharge my loans, get into the payment plan based on income, and get rid of all those interest charges, I am willing to negotiate based on the original amount before I was blind sighted by highway robbery and thievery from XXXX XXXX and Navient. XXXX XXXX XXXX University ( XXXX Colleges ) for Online classes thru XXXX.
I started a loan process with Movement Mortgage in XXXX, South Carolina. The Loan officer 's name is XXXX XXXX. I have decided not to pursue a loan with Movement Mortgage due to XXXX 's unprofessional-ism and predatory practices of charging me at least double the rate of services in the mortgage lending industry. I have simply asked for the fee back that I paid for an " appraisal '' the fee charged was {$650.00} which was my first indicator that XXXX was trying to rip me off. She then preceded to try to charge me {$890.00} in non-existent Administrative fees. I am choosing to use another loan officer and company at this point. I asked XXXX for my money back, she has refused to refund my {$650.00} back and told me to stop texting her phone. She then rudely said that I had the " audacity '' to ask her to come to my work for my closing. I asked her to come to my work due to me just starting a new job a week ago and not able to get off to go to closing. After that insult, I have decided to pursue other mortgage lending options and would like a refund of the {$650.00} fee that I paid.
Paypal has limited my account such that I can not withdraw anything and is withholding the balance of my account for 6 months.
my car that i purchased off the showroom floor in XX/XX/XXXX went to chevy heaven in XX/XX/XXXX.in those years there were many life incidents that occured where i went from a XXXX score.I needed a car for this new job, and acted hastily on because of my poor credit.well, the job was too far away and with living expenses and car payment, this new venture was not worth it.i contacted the " credit acceptance '' corporation many times for help.i begged them to lower my car payment and offered a XXXX payment for car. they were rude and just kept telling me " your loan is what it is ''. i have paid off XXXX vehicles in my years!! i came into financial hardship and this company would NOT help me.now i have a judgement!!
My credit report contains an mortgage account from Ocwen / XXXX XXXX which I have contacted Ocwen and they confirmed is NOT mine. However, they will not inform the credit agency of this, despite me escalating and providing them the information. 

I have also contacted the credit agencies multiple times on this, and it continues to remain on my account, without explanation or evidence that the account belongs to me. 

This is extremely upsetting and frustrating. This is inhibiting my ability to purchase a home. 

Thank you for all your help.
I contacted Transunion on XX/XX/2018 after receiving an email from XXXX XXXX about a hard inquiry on my credit report from XXXX. I notified Transunion that I had called XXXX support before contacting Transunion and XXXX had no record of an inquiry on my report. Instead of helping me and correcting their error Transunion said that I had to contact XXXX   for a letter of deletion. After calling XXXX for a second time, I was told that XXXX does not issue letters of deletion and instead told to come to this website, which does not issue letters of deletion from credit reports. 

It is also alarming that Transunion had records of everywhere I had lived yet on the hard inquiry for XXXX it listed my address as a place I had never lived. XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. Which is a hotel, not my place of residence. I have never even lived in that town or stayed at the hotel.
Several month ago I was referred to Coinbase.com by a coworker. I signed up and deposited funds from my credit card. Months pasted and I need to withdrawal my funds to pay bills. I found out at that point that I could not move my funds into a bank account because I 'm XXXX. There were many like me who were shocked and frustrated that this information was NEVER share by Coinbase.com with its XXXX customers. So infact they knew and never told us. 

Here is the even more pressing issue, on XXXX XXXX I decided to transfer my bitcoin and ether to a XXXX exchange which would allow me then to transfer the funds in my XXXX bank account and pay some bills. I was able to do what I needed to do with the ether but the XXXX not so much. I somehow moved the funds from my wallet to my vault and then realized I had to move it back to my wallet so I could transfer it out to the XXXX exchange. Again on XXXX XXXX this occurred and it said that their will be a XXXX approval period. Today its XXXX XXXX - that is XXXX business, so 15 days past the XXXX approval period. I contacted Coinbase.com to let them know the issue and for XXXX messages I sent I would get an auto response not even addressing the issue. 
What is most troubling is that my XXXX is nowhere it seems since XXXX XXXX, when I moved it from my wallet to the vault by mistake and then tried to move it back to the wallet, I noticed there was no balance anymore in my vault or wallet. 

Then I finally got someone who said they are working with a specialist to fix the issue and that was over 10 days ago and I never heard back from them and you ca n't respond to their email you have to submit a request and let me tell you they try to keep you from doing that as well. I have never experienced anything like this where everyday I contact them and get knowhere. I am about to miss a car payment that will effect my credit and this should and could have been avoided weeks ago. I have no faith that Coinbase.com will fix this in time for me, its been over XXXX weeks. An important fact to is that the value of bitcoin has dropped significantly since XXXX XXXX and I feel helpless to get access to my money. This is so far from being right and I 'm unsure what the FCC really does to prevent crooks like this from hurting alot of people. 

Even if this get rectified, I will still miss my payment, continue to be stressed over something that could have been dealt with properly. They clearly do n't care at all and these types of people make one loose faith in humanity not to mention the so called authorities that are supposed to govern or ensure no wrong doing. Not sure what is going on this planet but the level of greed is only growing and seems nobody really cares. Please help.
these inquiries should be removed and many are duplicates or done XXXX days in a row. 

XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Agencies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Agencies XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing
On XX/XX/2018, I attempted to temporarily lift a freeze on my Experian credit file. I was unable to do it via internet or telephone. I was also unable to make contact with a human at Experian to resolve the issue. I was forced to submit the request via U.S. mail. I am in the process of securing a mortgage and time is of the essence.
My card was closed due to inactivity ; however, I use this card as an emergency backup in case I need it for dire emergencies. I called Capital One and I was told that there is nothing that can be done to reopen this card. This specific card is also my card with the longest open credit history and my credit has taken a hit due to this card being closed.
I opened linked savings ( account XXXX ) and checking ( XXXX ) accounts with Citi on XX/XX/2018 in response to an advertised welcome offer online that promised a {$400.00} bonus paid after transferring {$15000.00} in funds to new Citi accounts within 30 days of opening and maintaining that balance for at least 60 days. I transferred these funds on XX/XX/XXXX, and I confirmed with Citi representatives that the welcome offer was attached to my account and that I would meet the terms of the offer if I maintained this balance until at least XX/XX/XXXX, which I did. On XX/XX/XXXX, well after the time period for Citi to post the funds had expired, I contacted Citi to ask why my bonus was not paid as promised. I was told I was eligible for the offer and had met the bank 's terms, and that my claim would be escalated, with a response resolving the issue within 2 business days by email. I did immediately receive an automated email confirming the escalated claim, but I did not receive the promised email resolving my missing {$400.00}.
On information and/or belief, USAA is re-aging and/or falsely manipulating at least two of my former credit card accounts. [ 1 ] XXXX reporting as closed XXXX XXXX and XXXX 2 XXXX XXXX reporting as closed XXXX XXXX. 

PREVIOUSLY I reported to this body that USAA closed these two accounts without prior notice a number of years ago, on information and/or belief in XXXX. 

PREVIOUSLY USAA reported to this body that they had closed these two accounts without prior notice a number of years ago, on information and/or belief in XXXX. 

NOW USAA is reporting both accounts [ CLOSED XXXX XXXX XXXX. On information and/or belief, this is deliberate fraud on the part of USAA and in violation of FCRA.
Nationstar Mortgage and XXXX XXXX XXXX have conspired to ruin our credit by telling us the problem was solved yet they reported our payment as late when verbally advising us otherwise. This happened when XXXX sold or transferred our loan as modified to Nationstar and gave us one month to delay payment yet never applied that payment properly, thus ruining our credit. As senior citizens, we need our creditworthiness. It 's fraud perpetrated against us.