WillisBack/dataset-financial-user-claim huggingface dataset:
Trying to open an account in the app called XXXX and they need to connect to my TD account for verification.
Citibank is incorrectly reporting a 30 day late payment when the payment in question was received only 8 days past the due date. The payment was not received within their billing cycles, which is why they see it as being appropriate to report 30 days late. 

I have included the original dispute letters sent via certified mail to Citi 's dispute center along with payment and statement history. I am working hard to improve my credit and this was an undeserved set-back. 

Sincerely, XXXX XXXX
I have already filed a complaint with you guys an complaint # is XXXX The complaint is against XXXX   XXXX XXXX who has yet to respond to my claim its been over a month I was notified by CFPB that the company had not responded an I just want to know why CFPB has not be able to intervene this is unacceptable this company is trying to collect debt that I do not owe to them they have been calling harassing me I want these XXXX XXXX accounts deleted from my credit report
Well Capitalone is doing it to me again. The card that was originally issued through them has an interest rate of 22.9 %. They increased this card limit to XXXX dollars on XX/XX/XXXX. They then increased the limit on this card to XXXX dollars on XX/XX/XXXX. That is a span in time of about a year and a half. Keep in mind I started out at a XXXX dollar limit on this card. I have never had one late payment and I pay way more then the minimum every month. Although I am sure they wish I did n't because they would make more money in interest off of me. The other card which was first issued by Orchard Bank was bought out by them and had an interest rate of 14.9 %. They bought the card and knew what the interest rate was. I am still at a limit of 2000 dollars on that card. I keep it up towards the maximum because the interest rate is cheaper saving me money. I have never been late on this card either with payments and again have paid way more then then the minimum payment each month. The limit was raised to 2000 dollars on XX/XX/XXXX only because I filed a complaint with you at that time. At the time of that complaint they had me at XXXX dollar limit. My complaint is the same again today. They hold me back on the credit limit of this card because they make more money off of me on interest on the other card. My credit is good and my payment history is good. It is now XX/XX/XXXX roughly a year and a half on this card also now. I feel they should reimburse me some interest from the other card and increase my credit limit to at least XXXX dollars. You know in this day and age there are a lot of balance transfer offers with 0 % interest, some for a year, some for more time. I am really thinking about doing that if they do n't stop doing this to me. I am giving them the benefit of the doubt like they gave me after my bankruptcy. I am not unappreciative I just feel like I 'm being ripped off again. Please help.
In XXXX of 2016 I disputed XXXX debts with ERC. In XXXX 2016 I received 3 letters back stating that they were ceasing collection and requesting that the account be deleted from any consumer reporting agency files. Well it 's now XXXX 2016 and XXXX has refused to comply with this request and even reinvestigated my claim. Their reinvestigation resulted in ERC " verifying '' the accounts, but I have letters stating they were requesting my accounts be deleted. I have not heard anything about the XXXX collection account XXXX which the original creditor was XXXX XXXX XXXX.
I agreed to a balance transfer promotion which allowed me to get the money interest free for 12 months. I also made other purchases outside of that promotion. Today I want to pay off the balance transfer promotion amount. I called the company to get the amount and they advised. I stated I wanted to make that payment and I was told that because I have made other purchases and transactions, that my payments will first be applied to the new transactions/purchases and that based on their payment allocation abilities I the consumer am not able send in an amount for the exact amount due for the promotional offer and have that amount applied to the promotional offer which then leaves me to have to not only pay the promotional offer off, but also every transaction/purchase since in order to avoid interest on that promotional amount. This was never disclosed to me in any form or fashion. Other companies are able to specify which type of line the payment should go to " Specify where my payments are applied '' for example, but this company does not. Furthermore, I was given the wrong date to pay that promotional amount off, which has adversely caused me to be very stressed as I intended to pay it off when it was due and not earlier, they said a date earlier. I called again and got another date so now I really do n't know when it is due. I called to ask for my balance transfer consumer agreement and they advised that they could not give me that either. I asked where the general terms are, and they could not provide that. It is not in the best interest of the customer to apply a monthly payment to the line of credit with the lowest interest or to a promotion amount before applying it to an amount with the highest interest rate. That also happened without my consent. Their terms for " How my payment is applied '' state that " Generally, they apply it in a certain form or fashion, I as a consumer need to understand what " generally '' means, and how I can be satisfied by being able to make a payment to a promotional offer in its entirety without having to pay also purchases that were made afterwards that have no end date for incurring interest.
On XX/XX/2018, XXXX XXXX XXXX  charged {$1400.00} as down payment to move. Contract stipulated if they were unable to complete move by specified date, I would be refunded the deposit. XXXX XXXX XXXX was unable to meet contract requirements but refused to refund money. They claim to be direct movers and do not broker their moves. When I investigated them on DOT, they do not even have any vehicles to do moves. I have disputed transaction 4 times with PNC. PNC denied all 4 disputes, never allowing me to provide documents ( including the contract ) to support my claim. Their explanation for denial stated I did not try to work with XXXX to have reversed by them. I have that email support showing where I contacted them to have them refund the money and they rejected my request. Documents to support this were not on this device, but I can provide.
I requested for the company to send me a copy of the original contract bearing my name on XX/XX/2019.  The company only sent me a copy of bill from LVNV Funding, which is the same collection company as Resurgent Capital Services. The has yet to send me a copy of any contract from the original creditor with my signature agreeing to the alleged debt.
( XXXX and XXXX ) repeatedly and persistently failure to curb abuses in reporting erroneous information to the credit bureaus and by the credit bureaus.in violation of The Fair Credit Reporting Act ( FCRA ). 
These deliberate and intentional acts of unfair business practices are pattern or practice, habitual and habit forming by ( XXXX and XXXX ) to date. I have notified Equifax , XXXX of these invidious discrimination, invidiously discriminatory behavior. 
Equifax , XXXX and XXXX XXXX knew or reasonably known there acts in violation of The Fair Credit Reporting Act ( FCRA ). and deliberately encroach upon my protected rights secured by XXXX XXXX, States of XXXX, and XXXX. 

All knew or reasonably known there reckless disregard for my rights to dispute negative information in my credit report that is gross fabrication, adversely impacting my credit scores, defame my good name reputation to date. 
The credit bureaus having 30 days to verify the disputed information with the XXXX and proven with affirmative evidence did verify the disputed information within 30 days, my accounts of events are true and therefore any erroneous information must be deleted from credit report. Equifax , XXXX and XXXX XXXX failure to correct blatant errors and mistakes in my credit report warrants civil action.
I wrote to the creditors, Experian, XXXX and XXXX regarding credit inquiries on my credit reports approximately 3 months and I am still waiting to hear from them. I have asked them to provide written proof showing that I authorized XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX to pull my credit. I did not apply for any loans or credit card with these companies. I need these inquires to be removed from my credit report. I will be contacting the State Banking Commission regarding this matter.
I have been complaining about this fraudulent account on my credit all of 2018. I have no knowledge of how my information was obtained in order to put it on my credit reports. I have never applied for services or lines of credit with this company. And never have I given anyone else perimission to do so nor co-signed.
I am having a problem with Equifax Credit Scoring. My Equifax score has a range of over XXXX points difference depending XXXX where the score is pulled. When I pull it from various credit monitoring sites I get a low of about XXXX ranging up into the low XXXX 's. But when XXXX Bank pulls it for a XXXX heat pump loan they are getting XXXX. I talked with Equifax and they can not explain it. XXXX says they have to use Equifax and that I need to get resolution from Equifax and XXXX Bank. XXXX wo n't talk about it and Equifax ca n't explain it. I need my heat pump replaced before winter and I ca n't get anyone to figure this out and get a true Equifax score. Since Equifax ca n't explain how the score could be so different when pulled from different sites, it may be that the problem is with XXXX Bank and their use of the score. XXXX requires use of Equifax and it looks like XXXX may be manipulating the score to make it be below the XXXX minimum of XXXX
I have requested multiple Goodwill Adjustments with AAFES, in regards to my late payments. The late payments on my credit report were during times when I was XXXX on Louisiana State Emergency or conducting training in the fields at XXXX in XXXX, LA, and I was in areas that made it impossible to contact them. I submitted and attached my orders and AAFES/Military Star Card ( a company supposedly for the military ) who refuse to do so which also violates Congress Legislation S.1249. I have made several attempts to have the late payments removed each ending with rejection. 

Thank you
i have not applied or have applied for any loans since XXXX i tried to correct this last month with XXXX and transunion transunion failed to invesgaite to the fact this account dated back to 2005 it is the same with XXXX transunion file # XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX coast XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXhave not opened any accounts since 2005 when i lost my home and everything it looks like they sell debt to a different company and take that date iftransunion done there job they would have seen this instead they are bias and dont go by the law XXXX included
Transunion refused to remove the fraudulent accounts off my report violating the FCRA. I sent multiple times my police report along with my FTC affadavitt to no avail. Immediate rectification should be exercised to the problem at hand.
I called Transunion on XX/XX/XXXX at XXXX to dispute XXXX hard inquiries that were removed summer XX/XX/XXXXand early XX/XX/XXXX due to a glitch in their system. Transunion illegally re-added them back because I never received written notice 5 days before Transunion reinserted them. Although Transunion acknowledge it was a glitch, the Rep XXXX only agreed to deleted the XX/XX/XXXX XXXX XXXX Inquiry.
I have disputed this account several times since XX/XX/XXXX. When i dispute over the phone with XXXX, a representative will inform me that they don't have to provide how this debt that was verified. I have a right to know whats in my file and how it is used. They keep informing to keep trying to contact the collection agency. I informed the representative that i did. When i contacted Sunrise Credit Services i spoke with a Rep. by the name of XXXX on XX/XX/XXXX.. This company had my name spelled wrong, address and could not confirm if they were licensed to collect in the state of Indiana. I read off the dates and the amounts from my credit report that XXXX is reporting which is First reporting date XX/XX/XXXX for {$1300.00}. I asked her why did i have to give them the correct spelling of my name, my correct address.. and that i never had any services with this company nor did i ever sign a contract for anything. I informed XXXX that this company is reporting inaccurately and that i intended to file a complaint. XXXX stated that she could send me an itemized bill with charges. I informed her that is not validating that this debt is mine and due to the FCRA i have a right to ask for proof of what documents were used to verify and validate this debt that i supposedly owe to a company that i never had any services with. She said she would have to transfer me to a supervisor and i spoke with a woman by the name of XXXX XXXX. She informed me of the information that XXXX gave out. XXXX stated that she would send out some papers that would be an itemized bill. It has now been 30 days and i have yet to receive anything from this company.
On XX/XX/2017. A check for a balance transfer was sent to citi bank XXXX XXXX. The check has been cashed and the debt was never cleared. XXXX XXXX has sent me to collections and called me over this balance. I have faxed numerous copies of the check to XXXX XXXX and my credit continues to take a hit.
My husband and I consolidated our student loans, and in 15 years, we have never had a late payment, or struggled to make our payments. Sallie Mae sold our student loans to Navient, and after making a late payment one time, in XX/XX/2018, because I believed I made a payment, but forgot, Navient increased our interest rate an entire percentage point. I paid the student loan payment as soon as I was notified by Navient that the payment was late, and they still raised our interest rate. I called, and spoke to a representative who informed me she would submit a request to have the interest rate hike removed from the account, but it was not removed, though our conversation led me to believe it would be. When I called Navient back to question, they said our lower interest rate was a borrower incentive that had been removed, and that the 'processing department ' denied the request to add the incentive, and they would leave our interest rate higher by a full percentage point as a result of one late payment. It saddens me that after 15 years of almost always paying our payment early, one late payment would result in an interest rate hike of 1 %, with no grace on the part of the company. This is why Americans have so little faith in banks and lending companies like Navient.
EXPERIAN : This Credit reporting agency is misreporting information on my credit report. 
They responded with a long drawn out generic answer with no facts and answers that have absolutely no verification or proof that the information is valid. 
When I disputed the item directly with Experian, they did absolutely nothing to verify and prove the information reported by XXXX XXXX XXXX, who then sold it to XXXX XXXX. 

They ( Experian ) state the following : " At your request, we began a reinvestigation of the disputed item, and the data furnisher verified the information to be accurate as reported. 
Although you stated that the loan has since been sold to another creditor who has re-aged the information, we were unable to locate the new creditor on your credit report. '' They claim that the " data furnisher '' verified the information. 
Who is the Data Furnisher?? Why are they not specifying exactly where the data came from and their proof of how they arrived at this information. 
Specify who is the Data Furnisher? Is it XXXX XXXX or XXXX XXXX? 

Secondly, the results they sent on XX/XX/XXXX had no direct proof or information provided that what they are reporting is accurate. They simply stated that they investigated and no changes made. These same type of responses were also provided to CFPB - Consumer Financial Protection Bureau resulting in no compliance in their providing or disclosing where they obtained the information. 

Furthermore, Experian states that " negative information remains 7 years from the date of the original missed payment ''. If that is the case, the date of the original missed payment was back in XX/XX/XXXX. Experian is not verifying the date of the original missed payment, or the date of last payment. That date, XX/XX/XXXX would mean that the item has already been reported for more than 7 years. 
How long does Experian plan on continuing to report this information? That is not disclosed anywhere in their response. IF according to them, it is 7 years from the date of the original missed payment, then this item should have been removed by now.
I sent a complaint before about the house I sold & paid off completely. All three credit bureaus were more than unhelpful. After I sent complaints on them I was told the issue had been fixed. But they have not fixed it. That house I no longer am responsible for is still being reported by Experian for sure and maybe even the other two. I tried to call Experian. I could not get ahold of a real person.

I am so very tired of them controlling my life. This is not right.
Violation of Fair Credit Reporting Act 623 ( a ) Responsibilities of furnishers of information to consumer reporting agencies/ ( a ) Duty of Furnishers of information to Provide Accurate information ( 1 )  Prohibition ( A ) Data furnishers are prohibited from reporting information with actual knowledge of errors ... ... 

After checking my credit reports, I noticed a 30 Day from Wells Fargo from the month of XX/XX/XXXX. 

1. On XX/XX/XXXX, I sent Wells Fargo a handwritten letter ( attached ), certified mail ( return receipt attached ), stating that I made several Credit card payments for the month of XX/XX/XXXX. I sent them two copies of proof of payment along with transaction ID numbers. 

2. On XX/XX/XXXX, I received a letter from XXXX stating they verified the account information as accurate ( attached ) 3. On XX/XX/XXXX, I received a letter from XXXX  stating they verified the account information as accurate ( attached ). 

4. On XX/XX/XXXX. I received a letter from Wells Fargo stating the information they supplied was correct. 

5. Therefore, on or about XX/XX/XXXX, I sent a notarized Affidavit ( attached ) to Wells Fargo with my Drivers license, certified mail ( return receipt attached ) stating that I made several payments to my credit card in XX/XX/XXXX and I was not 30 days late on my account. 

6. Additionally, I sent more notarized Affidavit, certified mail ( attached ), to XXXX and XXXX   asking for method of verification. 

To date, Wells Fargo has not corrected their obvious credit reporting error. 

I am supplying two proofs of payment for the month of XX/XX/XXXX and proof that the payments were debited from my checking account from Wells Fargo in XX/XX/XXXX.
CALLING MY DADS CELL PHONE AND WILL NOT STOP COLLECTING ON  XXXX , THIS DEBT WAS PAID BY   XXXX   IN A OUT OF COURT SETTLEMENT.
Inquiries XXXX XXXX  Inquiry from XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX Late payments XXXX XXXX on XXXX &XX/XX/XXXX I'm always on time with my payments and if an error has occurred, I make sure to give them a call and correct the situation. That has only happen once but XXXX XXXX corrected that error. Although, XXXX XXXX on my credit report it states I've given two late payments & that effects my credit history.
I had internet service with XXXX XXXX XXXX that was discontinued and I returned their equipment. 
XXXX XXXX XXXX claimed that they did not receive it and was billed. 
I called XXXX XXXX XXXX and explained that I had returned the equipment and gave them the postal service 's routing #, when they received it, and by whom. 
The person with whom I spoke with assured us that the matter was resolved. 
However, apparently someone jumped the XXXX and turned over the case to the Franklin Collecting Agency. 
The agency called demanding payment. I explained that the matter had been resolved and that they should contact XXXX XXXX XXXX for verification. 
The lady that I spoke with told me that she did n't call to argue with me and demanded payment. 
I have been receiving harassing phone calls since then. I finally blocked their number. However, I still receive calls with a different #. To date, I have XXXX different blocked # 's bearing their name.
XXXX XXXX was disputed with the credit reporting agencies. They verified it and it's wrong. I'm uploading proof of this information. Also I have wrong addresses on all three of my credit reports that are still showing. I've called XXXX  and Equifax and haven't received nothing in the mail. Only XXXX. I would like for this is be updated and for this account to come off of my report as It's not 100 percent accurate. Thank you.
I 'm part of a class action suit that was won which Experian refuses to honor : I was supposed to get free credit scores and monitoring since at least XXXX. I will provide the case number and attorney info no later than next week. 

In the meantime, Experian has prevented Credit XXXX from getting my report and score. All info that I have provided to XXXX in XXXX has been exactly what I have given Experian when I obtained my free credit report today ( XXXX/XXXX/XXXX ). When I again tried CS today, they could not get my report or score. Additionally, Experian has listed a XXXX CARD ( XXXX .... ) account for {$440.00}. that appears to have been disputed back in XXXX XXXX XXXX 8 1/2 years ago? )
I have submitted several complaints against this collection agency XXXX XXXX XXXX XXXX. I have proof they was taken off my credit report last year for the same balances and amounts they keep adding as new to my credit report this year. This is illegal and I will be contacting the State attorney general about their collection tactics. They could not provide true validation for this debt with should have been sent to Medicaid to pay, because I receive medicaid and I am disable. They was just removed again this year from one of my credit reports, but keep adding the same collections as new to different credit reports. I think this company thinks because there was a breach they can use illegal tactics to try to collect on a debt that should have been sent to Medicaid a very long time ago. I have my previous credit reports of this not being on there because this debt was removed. I have my many complaints about this company disputing this debt, which is stressing me out when I am already XXXX due to mental illness. This is harassment at this point. This will be my last complaint asking this company to remove this debt from my credit reports and to leave me alone.