WillisBack/dataset-financial-user-claim huggingface dataset:
EXPERIAN AND XXXX  IS REPORTING AUTHORIZED INQUIRES ON MY CREDIT REPORT.
 THE COMPANIES FROM EXPERIAN ARE: 
XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX, UT XXXX
(XXXX) XXXX
XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
(XXXX) XXXX XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 
(XXXX) XXXX XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX (XXXX) XXXX XXXX XXXX XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
(XXXX) XXXX 
XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
(XXXX) XXXX XXXX XXXX XXXX 
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX (XXXX) XXXX   THE COMPANIES FROM XXXX  ARE:

XXXX
Inquiry from XX/XX/XXXX
+
XXXX XXXX Inquiry from XX/XX/XXXX
+
XXXX XXXX Info
Inquiry from XX/XX/XXXX
+
Misc.
XXXX
Inquiry from XX/XX/XXXX
+
Bank XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
+
Bank
XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
+
Bank
I just spoke to XXXX XXXX, a supervisor, at XXXX XXXX XXXX. She is mailing me XXXX credit card statements for XXXX. According to her, the reporting of time-barred accounts is both Equifax 's and XXXX policy. She told me they will be mailed from Delaware. She also told me that of the XXXX credit reporting agencies ( they provided me information about ) on their XXXX XXXX XXXX letter, that only Equifax refused to remove it. Let me remind Equifax , the FRCA does not allow indefinite reporting of an account closed in XXXX regardless of whether it is positive or negative reporting. But, in this case this SOLE credit account is and was never owned by XXXX XXXX XXXX to begin with. This is fraudulent time-barred reporting. FCRA does not allow such reporting in XXXX for an account closed in XXXX. As the stand-alone outlier, among all XXXX agencies, it is pretty obvious that XXXX companies need to comport with FCRA. My recent Confirmation # XXXX still continues to show this time-barred account. This is illegal. I will be contacting the XXXX in Georgia, where Equifax mailed this report, and supply them with my documention to get this fraud investigated.
At XXXX a.m on XX/XX/2018 I received a dispute alert from Experian with a report no XXXX. I reviewed the results, XXXX XXXX still remains and address was changed to XXXX XXXX XXXX, Md XXXX with an address id XXXX. On Experian it has became common practice for creditors to intentionally report errors to personal information to avoid the main dispute. Experian has not resolved dispute instead they offer consumers products to avoid errors etc that I find they participate in. 

I went to the section to dispute items it says XXXX XXXX dispute still under investigation. Experian alleges they are not the one to  update consumer address. Experian allows creditors to put anything they want on consumer file without verification but show bias in disputes.
Per bankruptcy court as well as state of Kansas placed said items on my report for all credit bureaus without permission per these said companies have verified that they do not verify these for placement on credit bureaus, I have requested that they be removed the bankruptcy was discharged in XX/XX/XXXX. The state of Kansas Department of Labor placed a state lien without my knowledge or any correspondence with rising interest which is unfair so I would like for them both to removed these are reporting back form XX/XX/XXXXor XX/XX/XXXX these are placing a hindrance on my credit which is stopping me from getting approved and the credit bureaus Equifax, XXXX, and XXXX do not want to remove them. The state tax lien is only showing on my XXXX report. Both items are stopping me to be able to establish positive credit please help and get them removed
Every time I try to register on XXXX I am given the error message that my personal records don't match the records of the Credit Bureaus. I tried to register on XXXX XXXX XXXX XXXX  and I'm having the same issue. Obviously my SSN has never changed. I keep trying my past addresses and I'm having similar issues. I pay my own auto insurance, phone bill, subscriptions to Satellite Radio/XXXX/streaming services but I've never taken out a loan or credit card. I paid cash for my college tuition and cars. Could the limited credit history be my issue? I find it hard to believe I don't have any credit history at all? Thanks
i recieved my XXXX report by mail dated XX/XX/XXXX and it was not updated to dispute status after i sent a letter that north american received on XX/XX/XXXX. I look at my updated report on XXXX from XXXX and its showing a back date of XX/XX/XXXX but my hard copy i recieved directly from XXXX says they did not update since XX/XX/XXXX. Im not sure how they fraudulently updated my report to show status of XX/XX/XXXX when a week XX/XX/XXXX on my XXXX hard copy says XX/XX/XXXX. i will be contacting a attorney because i have my prior complaints and my current credit report and also my report from XX/XX/XXXX. What north american is doing is against the fcra. I will attach a copy of my XXXX report hard copy dated XX/XX/XXXX. They did not update to disputed in the 30 days as required by law and are doing fraudulent things with my XXXX report.
Wells Fargo Bank uses an automated phone system to dial every number on an account. They will non-stop if the system shows a debt owed. This is not a normal phone call. The phone calls come at all hours of the day, and if you pick up it hangs up immediately. It never leaves a voicemail. These phone calls, while illegal, are also only a result of chronic problem with Wells Fargo. They never updated my street address, routed payments to the wrong account, and refused to acknowledge the issue resulting in a faulty past due balance on a loan. There is gross negligence going on in the operations department of student loan servicing at Wells Fargo. By the sound of it even the customer service rep had no idea that the phone calls were of such an abusive nature.
Call from XXXX XXXX for a debt from a college in California. Told him ok let me make a file for him and his company so I know how much and who I need to get ahold of. Got his name, phone number but when I asked for his mailing address he started getting hostile. Talking over me. and REFUSED to give me a mailing address. He threatened that he would take everything I own if I did n't pay. I told him I was recording and he hung up on me. The number he gave me XXXX is a fake number. 

I called back on XXXX, the number my phone picked up and it went straight to him. He did not answer as Central Portfolio Control.
First of all, I received information in the mail from all 3 agencies, which I will share with the CFPB. As Navient student loan servicer and credit agencies are placing negative information my credit report it's still not corrected as complained weeks ago. Here is the reference numbers : XXXX # XXXX ; Navient # XXXX ; XXXX # XXXX. 

XXXX ( File Number XXXX ) - Has stated history was updated and " Paid or as Agreed '', but I was 120 days late in XX/XX/XXXX-XX/XX/XXXX. Navient did not have this account then and I completed a " rehabilitation program '' in XXXX that removed all " NEGATIVE INFORMATION '' off my credit report. They have placed that information back on there and I can show you years of credit reports without the information reported and I have the rehabilitation paperwork! 

All Sally Mae account were removed now reinserted. 

XXXX ( File Number # XXXX ) Is stating the Navient account will become positive in XX/XX/XXXX as they are reporting negative to information stating I'm " CURRENTLY LATE AS OF LAST MONTH '' Again Navient is the only account reporting this information. In addition ; XXXX is report addressed I have never live at : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXXXXXX XXXX , XXXX XXXX ( File Number # XXXX ) - Is reporting account " NEVER LATE ''. Which correct is correct Like I mentioned before I'm in the process of buying a house and under contract. This I can not obtain my house due to incorrect information I'm filing all law suit on ALL PARITES INVOLVED! I have been in contact with the person that sued XXXX for million because they would not correct someone credit report. I close on the XX/XX/XXXX and I expect this be resolved. If not I have supporting paperwork to address the issue. 

PLEASE REMOVE NAGAITVE INOFORMATION ASAP AND REMOVE INCORRECT ADDRESSES OF MY CRDIT REPORT.
I am a XXXX yr old XXXX in High School.. While in our XXXX class we had to investigate fraud.. my credit report shows things that happened when I was in elentary school. These are not mine. I would like to know how to get them removed.
In XXXX of 2017, my wife and I leased a vehicle from Mercedes Benz of  XXXX, Tn. We were not advised that in the course of leasing our new vehicle we were not advised that we were being billed XXXX dollars and were rolling this amount into our lease agreement. This amount was supposedly from a previously leased vehicle which was turned in at the time the new lease was signed. Attempts have been made to discuss this problem with the dealership, with no response. In addition have filed a complaint with Mercedes Benz Financial, who is lease holder, with no response.
Hello, three months ago I was in the process of obtaining a mortgage and signed up with Experian to obtain my detailed credit report from all three credit reporting agencies. At the time of signing up for this product, I was very careful to make sure I was not going to be billed monthly, I just needed the details from my credit reports at that particular time. I just realized that Experian has been charging me {$24.00} for the past three months, most recently on X/XX/17, X/XX/17 before that, and X/XX/17 before that. I called Experian and they told me that I signed up for a monthly service, and I told them that I did not, and had read very carefully what I wassigning up for. They would not refund me for the past two months of fees, even though i was willing to  pay the original {$4.00} fee as well as the {$24.00} fee. In fact, Experian hung up the phone on me after speaking with a representative for 20-30 minutes, and waiting on hold for 10-15 minutes. They  can clearly see that I did n't even sign into my account and they know that they are scamming customers. I work for XXXX XXXX and I am accustomed to reading the fine print. The way Experian baits-and-switches their customers is fraudulent. I read everything online before purchasing the three credit reports and they were clearly hiding the fact that they were going to charge me monthly. I can not believe these credit reporting agencies get away with this scam. This happened to me once before over 5 years ago with XXXX, and I have been very cautious to never let this happen again. I was aware of the risk and was specifically looking for this when signing up for my credit reports, but Experian hid this very well and did not want to make it abundantly clear that they would be charging my card every month. My " Membership ID '' with Experian is apparently XXXX. Thank you for your help, XXXX.
Debt collector claims I owe them a debt that they ca n't verify is there 's. They ca n't provide proof of documentation or ownership towards the debts. Never have signed a contract with them saying I owe them an x amount of dollars.
I looked at my bank account on my app and it said a {$12.00} transaction happened yesterday at XXXX but I 'm the only one with the card and I have n't made any purchases. What do I do?
I Disputed these Debts a few times with the companies but they still havent removed them from my credit report I sent a few letters in trying to get them taken off my credit report.
I have the victim of identity theft which I discovered when my tax filing was rejected. 
This prompted an investigation into credit report and I started getting collection notices for credit card accounts that I could not verify. I send a series of letters to credit bureaus requested copies of the original signature documents showing the account was actually verified as mine but they simple responded that accounts had been verified as mine but never responded to my request for copies of the actual document that showed my signature verifying the account or even the name of the person who verified the information. I recently sold my house and now an unable to buy a new home because of the invalid account that still shows in dispute on the credit bureau.
My student loans were transferred from  XXXX  to Fed  Loan Servicing  o n  XX/X/16      aft er I submitted my paperwork for PSLF. I was told the qualifying payments would be transferred but as of yet, only  13 p ayments are showing  up ( I have made a total of 34 q ualifying payme nts ).  I spoke with someone on      X/X/16  an  d they assured me that they submit a request for this to be looked into, but that it may take weeks.     I have also had issues with the handling of my Income Based Repayment paperwork. I know that the paperwork is correct, because this same paperwork was received and processed almost immediately by    XXXX   ( w ho still holds my loans not under the PSLF program ). I have submitted supporting documentation ( which is not required by  XXXX , only FedLoan ) a total of 3 times now. Once by mail and twice by uploading the supporting document s (  XXXX  ).  As of yet, this has not been fixed, and I have received letters telling me that I did not meet qualifications ( when I clearly do, as evidenced by my student loans serviced by  XXXX  ). I have documentation showing my multiple submissions of paperwork.     I also had an issue o n      X/X/16  wh ere my account was placed on Forbearance without me requesting for such action. When I contacted the company, I was told that this is standard action for all accounts that have documents processing. When my account is in forbearance, I am not able to make qualifying student loan payments.
On XX/XX/XXXX, I had a medical emergency in XXXX XXXX NV. As a result, I was admitted to XXXX XXXX Hospital. I have XXXX XXXX Health Plan, which requires a {$50.00} co-pay for emergency visits. I fulfilled my financial obligations and paid {$50.00}.
Since XX/XX/XXXX, I have been receiving monthly bills from XXXX XXXX Hospital and from their XXXX department, XXXX XXXX XXXX, XXXX PA. The initial bill of {$30000.00}. was paid in full by my insurance company, XXXX XXXX.
However, XXXX XXXX XXXX continues to send me an outstanding bill, in the amount of {$1600.00}.
I contacted XXXX XXXX department on numerous occasions. Each time, the XXXX XXXX department informs me to disregard all billing, and to discard any bills received. Yet, the bills continue. I filed multiple grievances with XXXX XXXX XXXX regarding the continuous bills I receive.
Now, this outstanding bill of {$1600.00}. is now in collections, which affects my credit rating score. This matter is between XXXX XXXX and XXXX XXXX XXXX, and should not involve me.
I applied for the Bank of America Small Business credit card on XX/XX/2018 for my Sole Proprietorship that I just started. I filled out the application selecting Sole Proprietorship as the business type. I did not receive a decision at that time and later received a letter dated XX/XX/2018 requesting more information. 

This letter requested proof of business, verification of legal structure, year end business financial statements and tax returns. They gave me one month to provide this information. They also disclosed my credit score as XXXX, establishing there is no credit issue. As a newly established sole proprietorship, I do not have many of the items they requested as they do not exist and are not required for my type of business. I provided the information that I did have, such as my tax returns, along with explanation of why the other information was not available nor applicable. 

I think received a letter dated XX/XX/XXXX, denying my application. This is before the 30 days I was given to produce the information. The reason for denial was insufficient information on the business bureau- which is not required for a Sole Proprietorship - and business credit references have not been established for a sufficient length of time - which is  discriminatory in nature against new businesses, even those such as mine with excellent credit.
I have received a targeted offer from American Express to open a card and spend {$5000.00} and receive XXXX bonus points ( I have a print screen ) I have applied for the card, was approved. 
Once I did the required spent XXXX did not want to grant me with the XXXX points they said that in the terms and conditions they had a notice that previous card holders are not eligible. This was not noted on the offer page ( as you can see ) and you had to click on the whole terms and conditions to discover, this is clearly misleading intentinally. 
Also, I did not get any warning that I will not qualify for the offer, moreover, I was targeted for the offer.
I opened a Citibank checking account as part of a college campaign when I was XXXX years old. The account was free as long as I had deposits every month. In XXXX of this year, Citibank automatically switched my account into a new " full service '' account which charged me {$25.00} a month unless I maintained a $ XXXX balance on my check account, which is a lot to ask for. They did not ask for consent to switch my account over. They claimed they sent me a letter letting me know it was done, but I did not receive it. I 've asked them to reverse the fees, since if I had known, I would not have authorized the switch, opted for a basic account, or closed my citi account. They 've reversed half of the charges, but wo n't reverse the rest. They also charged me a {$25.00} fee after they switched my account back to a basic account upon request. Please let me know if there 's anything you can do to help, thanks.
XXXX leased a XXXX from XXXX XXXX XXXX in XXXX, NJ. Ally Bank financed the lease. XXXX turned the car in to XXXX XXXX XXXX in XXXX XXXX, NJ because I leased another car. Sales person checked the old car out for damage and called Ally for payout figure. I agreed to damages totaling XXXX for the front bumper and on XXXX/XXXX/14 my daughter sent a check for that amount to Ally Bank. Ally is looking for an additional XXXX for damage to the left front fender that was not there when I turned the car in. My daughter, XXXX XXXX, has made numerous attempts to resolve this issue but Ally refuses to speak with her. I am hard of hearing so I sent Ally a letter giving them permission to speak to XXXX but they refuse to talk to her.
Upon checking my credit report I noticed that a collection agency by the name of Diversified Adjustments Service , INC. had reported a debt in the amount of {$710.00}. On XX/XX/2018 I sent a direct dispute to this collection agency requesting Validation of the debt with an original contract bearing my signature and a agreement with the creditor that authorizes them to collect on this alleged debt, complete payment history and proof that this agency is licensed to collect in my state. I received a letter dated XX/XX/2018 labeled as " Itemized Statement " showing no contract or anything for that matter with my signature on it but a list of charges totaled at {$710.00}. On XX/XX/2018 I sent Diversified Adjustments Service, INC. another certified letter stating again to send me validation of debt and original contract bearing my signature by XX/XX/2018 which they have still failed to do and if they could not do so completely delete and remove this collection from my credit file with XXXX, XXXX and XXXX XXXX. I have the right to obtain validation of debt under the Fair Debt Collection Practices Act ( FDCPA ) and this company has failed to provide me with that. After sending them the second letter on XX/XX/2018 I have not heard anything from this company but the information still remains on my XXXX, XXXX and XXXX XXXX credit file. I have attached all means of communication from me and Diversified Adjustments Service, INC..
XXXX XXXX deleted a car loan, a good account, without confirmation from me. It is a good account. I would like the account put back on my CREDIT REPORT
Citi Group has decided to regulate how the card user can utilize the card for purchases. This wasn't included in any agreement when the card was opened for the consumers use.

The new rules Cit bank has created limits purchases that state NO firearms / weapons are allowed to be purchased without a background check on the charge cards.

Any FFL dealer by law, does this check prior to any sale anyway. Limiting what accessories that can be purchased with the charge card is discrimination to the account holders choice of " free purchase '' decisions made in the USA.

I am a valid XXXX XXXX XXXX, XXXX veteran and have worked in XXXX XXXX.

Limiting my accessories capabilities for my weapons is preposterous.

This act by Citi Group is a complete dictatorship type control when the account is based solely on the consumers approval to obtain, usage of the cards, and remitting payments against purchases made on the accounts. Lack of use of any account doesn't net profits Citi Group in any way shape or form.

If this idea of selecting only " specific '' items not allowed to be purchased was not in the agreements when the card was opened. I would've selected a different card company to conduct business with if that had been the case. Pretty simple.

Furthermore, I'll be paying off my account with Citi Group just for this reason, and will not be using the card for anything else from here on out. It appears Citi Group has more than enough customers and business profits elsewhere to thrive on to allow this outrageous act to slam their quarterly gains/profits as a major banking institution.

This was a serious poor decision on this banking institutions behalf. This company 's decision to act on events that happened in the USA ( which doesn't concern them ) stemming from " other entities type violence '' shows how easily coerced Citi Group really is. Not good for any consumer wishing to sign up for a credit line with Citi Group.

I'm guessing they forgot who bailed them out when times were tough during the recession of 2007?
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2016 30 days past due as of XXXX 2016, XXXX 2016, XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Barclay Bank charged interest fees on interest only balance. Account balance was paid off $ XXXX then bill was sent showing a new balance due to interest of {$6.00}, a {$10.00} payment was made, however on next statement there was {$.00} in interest charged. My understanding is that it is no legal to charge interest on interest and believe this is a violation of the unfair and deceptive act that could be affecting many of their other customers.
I can not get them to tell me what it is about or I have asked them to mail me information but they tell me just pay your bills and we wont call