WillisBack/dataset-financial-user-claim huggingface dataset:
I have an account TD BANK USA/TARGET CREDIT # XXXX reporting to XXXX XXXX and XXXX.ALL 3 report vastly different from each other and yet each credit bureau verifies it as accurate.I 'm attaching all 3 different reports from all 3 bureaus.The payment histories are different and conflict with each other.The account was open in XXXX and CLOSED BY GRANTOR onXX/XX/XXXX, according to XXXX. XXXX says max delinq.of 120 days on XXXX ; XXXX says 120 days delinq.on XX/XX/XXXX.XXXX shows 90 days late XXXX, XXXX shows 90 days XX/XX/XXXX.XXXX shows c/o XXXX XXXX XXXX shows 120 days late XX/XX/XXXX.XXXX shows closed on XXXX, XXXX says closed XX/XX/XXXX.the DOFD is XXXX ON XXXX and XXXX on the other XXXX.I 'M ENTITLED BY THE FCRA TO COMPLETE AND ACCURATE CREDIT REPORTING WHICH I DO NOT HAVE NOW OR IN THE LAST 7 YRS NO MATTER HOW MANY TIMES I DISPUTE WITH THE CREDIT BUREAUS ... always comes back verified and still all 3 bureaus do not agree with each other.
I have XXXX foreclosure case numbers none of them have given me the opportunity ti resolve the issue completely. 
First filed case numberXXXX Second filed case number XXXX Third filed case number. XXXX I 'm continuously threatened with litigation.
i became a lendup card member since XX/XX/XXXX to move up the ladder you have to pay on time, update correct contact info my card was up for review for a credit line increase i had called to update my phone customer service called and when i answerd they hung up and sent an email stating they needed a code to get throughwhich was not true i had a dial tone couldnt call out but i could recieve in coming calls.i was denied a credit line increase there excuse was i was over my limit it was there interest fee that brought me over the limit from XXXX to XXXX credit limit is XXXX i was angry because they are playing a game what ever is going on at the moment emailed several times and stated close my account. they sent an email on a saturday that stated my account is closed there office is closed on weekends i called monday morning wanted my card re-instated i was told they cant made my payment of XXXX min of XXXX and XXXX for the overdraft.i was told my account was closed and couldnt re-open my account shows available credit of XXXX and is still open at this time looked up the card agreement it states i can cancel at any time and can be re-instated they de-activated my card so i cant use my avail. credit the card agreement and or disclosure had been breached by the lendup card co.
I received an alert from XXXX XXXX that my score had changed upon checking my Eqifax credit report I saw that my score had dropped XXXX points and that an account that was discharged in my Chapter XXXX Bankruptcy had been reopened and placed on my credit, I am not legally obligated to pay this account and the 4 payments that were missed was during the Chapter XXXX proceedings for which I was not obligated legally to pay and shortly there after all my debts were discharged, the debt in question is a student loan that I have been paying on faithfully for over ten years and never missed a payment and was never late, this loan had a cosigner on it and when my bankruptcy was discharged the creditor pursued my cosigner. After my cosigner contacted me and informed me of the problem I immediately contacted the creditor and informed then that my debt to them had been discharged but I was going to catch up the missed payments and resume all payments until the debt is paid in full. This same accout that I have disputed being on my credit report with Eqifax was closed and dischaged in bankruptcy, I legally owe XXXX  nothing but they took it upon themselves to open the discharged account and place it on my credit causing my score to drop XXXX points.I think that this is a very malicious act and when the discharged account is finally removed from my credit report I will not get the points back that were taken as a result of the discharged account being put on my credit report. I had to deal with something very similar with XXXX, these malicious acts has got to STOP, its not fair, when things are placed on your report that shouldn't be on there causing you to lose points that you can't get back I've disputed this same account with the same company and as a result the account was closed and showing that it was a part of my Chapter XXXX Bankruptcy and had been discharged.Maliciously the account was reopened to cause me to lose points knowing that once I dispute the account AGAIN it will eventually be removed but my points can not be restored. I am beginning to see a pattern with these CRA 's the same thing happened to me with XXXX   they too put a discharged and closed acount on my credit report causing my score to drop XXXX points and only restoring XXXX of those points, when I asked about the balance of the points I was told that there is nothing they can do about the points, now only days later from dealing with the XXXX   debacle, Now Eqifax
I 've been paying PMI for over 12 years. My amortization schedule finally hits 78 % which means PMI automatically drops off but Bank of America refuses to remove it saying I have to pay for an appraisal?!?! And the appraisal company I have to use has business ties to Bank of America. Hello conflict of interest. So with Bank of America you have PMI for 30 years unless you pay XXXX of their business partners money to do a new appraisal? This ca n't be right but after numerous electronic messages and phone calls here I am, 12 years later, and still paying PMI.
The credit bureau is incorrectly reporting that I was past due on  XXXX  different  XXXX  student loans fro m  XX/XX/XXXX  to  XX/XX/XXXX . This is  not correct information as the account was consolidated and transferred to a new servicer. The account numbers for the  XXXX  accounts are : "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  ''. I always made my scheduled payments on time and I never let it run late. I have disputed these inaccurate late payments on numerous occasions with the credit bureau but they have disregarded my disputes as frivolous and ignored my requests. I reached out to  XXXX  and they sent me a comprehensive payment history showing how I was never late on my student loans. I am including this payment history attachment in this complaint so the credit bureau can update their records and process my dispute properly. I sent this same information to the credit bureau but to this date, nothing has been done to process my request.
I 've tried for months through other mediums to rectify this incorrect information that XXXX XXXX reporting to credit bureaus. I know that they have been cited/sued for unfair treatment of consumers in the past according to the FCRA and I believe that I 'm being treated the same way. 

I do not have a signed contract nor any contract with Portfolio Recovery Associates. I have never done business with them and I am not liable for this collection from XXXX XXXX XXXX. Furthermore I am not responsible for the debt with Portfolio Recovery Associates. 

I demand to see proper Validation of this supposed Debt ( Signed Contract, Signatures ) or for it to be Deleted ASAP.
This account have absolutely NO MERIT and should not be on my credit report due to the nature that theyre fraudulent. I have enclosed all the information needed to furnish a permanent block on my credit report. 

The account with XXXX XXXX  and the account with XXXX XXXX XXXX for {$2500.00} that was sold to XXXX XXXX XXXX are both fraudulent and under the FCRA 2009 ( a ) should not be reported due to the nature theyre fraud. Also under the FDCPA ( Fair Debt Collection Practices Act ) XXXX XXXX XXXX MUST contact the original owner of this debt and inform them of the information furnished and that the account is fraudulent.
Every month when I attempt to pay my mortgage there are issues with paying it. I pay online as I am in Arizona and the property is in Ohio. I am never able to access my online account and it is constantly changing. I call into the mortgage company and they are not able to assist me with this. The only thing they have to offer is over the phone payment with an additional {$12.00} charge or I end up having to pay a late fee of {$20.00} as after the XXXX of the month, my account always miraculously starts working again. This has been an ongoing issue for over a year. I also cancelled my home owners ins in XX/XX/2017, as the home is under a land contract and the tenant has his own home owner 's policy and they are still charging me $ XXXX/mo for ins that has been cancelled. I believe this is fraudulent.
The issue that I'm having with the credit companies is that the Bankruptcies which are dismissed on there, they are not willing to removed them. I have worked with XXXX XXXX in which they have sent them several letter pertaining to the issue and they still are not willing to removed them off of my credit report. After I talked to the Bankruptcy court they stated that they never provided them with any information about the Bankruptcy in which when I called Transunion they told me that the court provided them information about my bankruptcy. I just want them taking off since I never when through with the Bankruptcy I just only filed them and that's it nothing else was done. There was not payment made or anything. It states a XXXX balance and dismissed.
Exeter Finance & COAF came on my   XXXX    XX/XX/XXXX  as a hard inquiry. I called both companies asking why did they pop up on my Inquires. They stated   XXXX   (  XXXX , NC ) said I was a cosigner for a car. That 's incorrect, because I have no driver 's license, nor consent to being anybody co signer. I called  XXXX  they said they had no record of me. Asking to please take these fraudulent Inquires off my credit report hindering me from progressing in life.
 XXXX  ( National Credit Card/ Airlines Are on my   XXXX    XXXX . Dates are  XX/XX/XXXX  &  XX/XX/XXXX . I 've called and they ca n't find me in their system. I do n't even know who the company is.
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. Box XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
I am the primary holder for account # XXXX I requested my wife to be remove as AUTHORIZE user and PENFED AND XXXX refused to removed account from my wife 's credit report
My original loan on my property was with XXXX XXXX XXXX ( account number XXXX XXXX, they sold my loan to Ditech Financial. On XXXX XXXX I made my payment to XXXX with the understanding that all payments would be forwarded to Ditech until XXXX XXXX, 2016. Since XX/XX/XXXX, Ditech has repeatedly told me that the payment has been found but it was never processed. I have called them 9 times to rectify the problem. I have mailed, faxed and emailed them proof of the received checks and documentation necessary to prove my claims. They will not process my payment and claim I am delinquent which I am not! They have filed a 30 day late on my credit. When I contact them, I am repeatedly sent to an account representative by the name of XXXX XXXX at extension XXXX who never responds to my messages and then I get a prompt that literally tells me that no one is available to help me now. I have sent the same documentation to XXXX XXXX XXXX but they tell me the problem is on Ditechs end. I am at a total loss and am trying to fix this problem. Please help!!! Ditech is the worst Mortgage company EVER on this planet!
On XX/XX/XXXX and again on XX/XX/XXXX, The Law Offices of Mitchell ran my credit, they also reported falsely that I owed money to a XXXX XXXX XXXX or another 3rd party. This is a violation of the Fair Credit Reporting Act, they do not have factual information. There is nothing backing up their allegations besides unsubstantiated claims. I never applied for credit, I never guaranteed payment, I never signed anything and I never gave out my social security number, it must have been obtained from another source. This company " XXXX " has blatantly violated the FCRA requirements for reporting in an attempt to " Extort " money and tarnish my name. It is my understanding that in order to publish false claims in attempt to ruin someone's credit they must factual information, they do not. 
Please look into this
On XX/XX/XXXX I attempted to obtain my free annual credit report from Equifax. The company responded that it was not able to deliver my report online. The exact same thing happened the last several times I attempted to retrieve my Equifax credit report. In XX/XX/XXXX I provided the company with the requested identity documents by mail and did subsequently receive the report. The online questionnaire was completed correctly in all instances, and the company has never provided me with any explanation as to why it refused my online request. I have attempted to contact the company by phone but could only reach automated responses. I have not had any problems with online access from the other two reporting companies, only Equifax.
Synchrony Bank handles several store credit cards, XXXX,  XXXX, XXXX, and others. In a review of my accounts I find that I do not receive the advertised purchase discounts on my purchases. Example ; on my XXXX store card I am to receive a 5 % credit on all purchases, however a review of the account shows XXXX of dollars of purchases so far this year with no credits at all. Over the years I have used this card this has resulted in several hundred dollars of rewards that were never posted or received. This seems to be more than just an accounting error and perhaps should warrant an investigation to determine how far reaching this practice has gone and for how long.
Following months have not been reported and my payments were made on time. 
XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX have not been updated.
I got a MasterCard Credit Card when I moved from Illinois to Kentucky. I got it through SEARS.It was XXXX percent interest. I have not used it for the last 17 months. They told me I had to use it before XX/XX/19.If I  did not use it by then they would drop my credit limit from XXXX XXXX down to XXXX XXXX. This will effect my credit score. If I cancel it it will change my score, if they lower it, the same thing will happen. To me this is BULLING to make me use the card. I am a XXXX XXXX XXXX. I call this BULLING by CITIGROUP BANK. I can not understand how these BANKS can do this stuff to people.I think it is forcing me to use this card, when I do not want to or afford to. CITIGROUP BANK called me, after I put in a complaint the phone # XXXX XXXX XXXX XXXX on XX/XX/2019 at XXXX XXXX They did not solve anything. 

XXXX XXXX XXXX, Ky.
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have sent dispute letters to Experian Inc. asking to investigate some accounts on my credit file. I also asked to provide me with a copy of the original contract or any pertinent information of such accounts as stated under " Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Experian Inc. failed to provide me with any information related to the disputed accounts and offered a limited response saying that the accounts had been verified. I would like to have more information on these accounts as far as ; original contract, my signature on it, how they verified the accounts, etc.
I have an account at citibank for more than twenty years. recently they informed me that my direct deposit alone would not qualify me for free checking, so they recommended a basic checking and savings account and it must include a monthly recurring bill payment. my account was set up on XXXX XXXX 2015. The agreement ( by phone ) was that each month starting in XXXX 2015, they would make a payment to CITICARDS as installment on my creditcard. The payments are due on the XXXX of each month and they would debit the amount on the XXXX of each month. On XXXX XXXX, i discovered that they did not make my payment. I called CITICARDS and explained the situatation and they inturn, deducted the money from my checking account. I was told by the representative that a FEE will be accessed, once my new statement is generated, and i should call them, and they will remove the fee. On this day XXXX XXXX, I discovered that the FEE has been charged to my account and I called CITICARDS, told me that they can not remove the charge of {$35.00} because it 's justified, and it 's not their fault. I then contacted Citibank checking, and while they are fully aware that an error was made, they are telling me there is absolutely noting they can do. I believe this is wrong. How can i be responsible for a fee that i did not create? I would like some help. I can imaging the number of people these banks cheats out of their hard earned money. 
Thank you for understanding
Please remove any and all fruad alerts on my credit report, I did not ask/ request one at any time
This Company just closed my account without calling me or sending me emails to confirm items on file. I spoke with a manager by the name of XXXX on XX/XX/2018 he refused to give me his last name but He told me the company was protecting me from fraud and they decided to close my account for my protection!
1. I leased a car from XXXX XXXX in XXXX XXXX on XXXX/XXXX/2016. 
2. The vehicle had XXXX miles. The vehicle has a previous lien on it from XXXX, which prevented Title to be sent to XXXX DMV. I had n't driven the car outside of XXXX or XXXX.. I have incorrect plates on the car. 
3. When I Leased the car on XXXX/XXXX/2016, I requested XXXX registration. But changed my mind 4 days later. I went through the procedure and got Power Of Attorney from Hyundai Finance to sign when the title came in. 
4, The Title from XXXX never came to the XXXX DMV. The DMV told me it was on hold because theer was a lien in the Vin #. 
5. I called the Lien Holder and they said the Lien was on Hyundai Finance. 
6. Hyundai Finance does not acknowledge the lien. I had n't driven outside of XXXX or XXXX. I had n't taken it to XXXX. XXXX XXXX in XXXX, said they had no record of me, XXXX XXXX. The lien was n't mine. It was Hyundai FinanceXXXX 
7. neither the Dealer, XXXX XXXX , or Hyundai Finance has acknowledged the lien as theirs. 
8. They have done npthing to resolve this. I LeASED A CAR WITHOUT A CLEAR TITLE. 
9. Furthermore, if the car had been towed and been in an accident ... it was not disclosed to me. 
10. I am driving with XXXX plates and XXXX insurance ... unable to get XXXX plates. 
11. I am about to go to XXXX for 4 months. If I have to come back to change plates and registration, it will be an expensive airline and rental car expense. I think the Hyunddai Finance Co or XXXX XXXX should pay this expense, because it is their fault ... not mine. 
Please help me get a clear title, have my lien expunged, and enable me to get XXXX plates, and compensation for the additional travel expense. 
Thank you, XXXX XXXX
This company called stating I owed personal debt. The address used was an address I was listed under over 16 years ago. I dont have any open cards. T hos companu obviously are a predatory company. I am in practice to request an updated credit report at least one yearly. They claimed to be portfolio asset or another.
Dear Navient, This is not a duplicate do not mark it as such, this is a complaint on your buthering of my credit reports. 
In response to CFPB Complaint XXXX The payment history for the accounts listed in the dispute are not and were not accurate. You word means nothing Navient. Among other things, the CFPB alleges that since at least XX/XX/2010, Navient has : Misallocated payments Steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and Provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release. Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts.
A 3rd party collection agency, XXXX XXXX XXXX ( XXXX XXXX PA ) reported an unpaid medical debt in the amount of {$1600.00} on behalf of XXXX XXXX XXXX in XXXX AZ to my credit reports. I asked both the hospital and the collector for proof of the debt. They stated I would need to pay them and then it will be provided and given the chance to dispute it. The bill is in the name of a family member who is a ward of the state of arizona and under their legal and financial responsibility. However the collector still says its my problem and liable for the debt as family. I provided both parties of the legal paperwork and who to contact to get the bill paid by the foster care system in Arizona which they have refused to follow up on. I disputed the bill with all 3 credit bureaus who in turn said proof the bill was legitimate was furnished and I could not get a copy. I do not see why another persons bill, in another name can be forced onto me.