WillisBack/dataset-financial-user-claim huggingface dataset:
I have  XXXX  public record accounts in the amounts of {$15.00}, xxxx and {$13.00}, xxxx that have been reporting on my yearly credit report by   XXXX    since    XXXX   XXXX   XXXX     . According to FCRA law : " This information is generally removed  seven years from  the initial missed payment that led to the delinquency. Missed payments and most public record items  may  remain on the credit report for up to seven years, except Chapters  XXXX ,  XXXX  and  XXXX  bankruptcies, which may remain for up to 10 years. Unpaid tax liens may remain for up to 10 years from the filing date. Paid tax liens may remain for up to seven years from the filing date. Transferred accounts that have not been past due remain up to 10 years after the date the account was transferred. '' I have tried several times in the past gew years to have this information deleted from my reports, as since it has been reporting since   XXXX   XXXX     which is now 16 years and 6 years past the legally permissable reporting criteria. However   XXXX    continues to report this information which is a violation of my FCRA rights and  State  law. The account is also being illegally re-aged to reflect the current month as the reporting date every time I file a complaint.
The transactions for my account are being juggles around/change in order for overdraft fees can be applied to my account. I have attempted and made several request for the bank to process my transactions as they appear on my account. The bank is telling me that even though a transaction is pending it can be charged applicable overdraft fees ; however, the fees can not be charged if the transaction is pending.????? This as result is several unknown and unexpected fees. In fact, it appears as if the funds are being set aside for such charges to occur. I have been asked to hold all attachment until results of this complaint are received.
Dear XXXX/XXXX Re : acc # XXXX To Data Furnisher I had called XXXX customer service in reference to missing credit data in the month of XX/XX/XXXX on my Trans Union and XXXX   credit report. After numerous attempts to rectify the missing reporting data for the month of XX/XX/XXXX, XX/XX/XXXX payment data has also not been reported to Trans Union and XXXX. Due to either technical difficulties, I assume the data furnisher is not fulfilling its requirements under the Fair Credit Reporting Act and Rule 660. This account is closed. I expect the payment history to reflect my payments made to my account consistent with my credit and payment history to the credit agencies.
Please be advised I have request " validation '' { not verification } of an items reported to the credit bureaus by XXXX. I have received a response that clearly violates my rights according to HIPAA. 

Collection Services of Athens INC, did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATIONS of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law.
I closed a XXXX checking account I had open in 2014. I have had a XXXX XXXX Checking and savings account since I closed out the XXXX account. I closed the account because I had multiple problems with them and what I believe was fraud on their part. They would not deposit checks when they said they would. I was constantly having bounced check fees and could not figure out why. I have been told by XXXX XXXX that I have something on my account from 2014 from XXXX. When I closed my account in 2014 I worked with a manager to get all the fees removed from my account. I do not know why they reported XXXX dollars delinquent to XXXX XXXX. It is causing problems for me to open up an account with a credit union despite having no problems with my XXXX XXXX accounts. XXXX was well known to do things that were borderline illegal. I asked for a review and they did not change anything. What recourse to I have to get this off my report. I do not feel I owe this money.
I was first contacted by Bronstein & Weiss Arbitration about 2 years ago about a pay day loan taken out in XXXX, Ohio by a woman who had the same name. They called the home of my elderly parents and were rude and threatened to serve me papers at their address. The papers were never served. A few months after that the abusive phone calls started again. This time they were calling my parents and my cell phone leaving messages that they would come serve me at my job. In XX/XX/XXXX they contacted my parents again and called my cell phone. When I answered the man on the line was extremely rude telling me to pay what I owe and that because of Trumps presidency he could speak to me in any tone of voice. The man hung up on me. After calling and being hung up on 3-4 more times I finally got a person on the phone. We compared information and determined that I was not the account holder. The social security number, address, date of birth, and place of employment were different from mines. Fast-forward to XX/XX/XXXX and I am still receiving threatening phone calls to my parents home and my cell phone. I have asked for documentation but of course I haven't gotten any because this person lives in Ohio and I live in Georgia. They have threatened to come to my job but I don't work at XXXX XXXX in Ohio. They are scarring my parents and causing my problems at work because they keep calling my cell phone.
I submitted a complaint to the Better business bureau in regards to this complaint and the company sent me a letter stating " We have completed our investigation of your dispute concerning this account '' Attached was a statement balance reflecting {$1000.00} however this company was reporting {$1000.00}. Regardless of how small the error was it is their responsibility to maintain true and 100 % accurate information when reporting to the credit bureaus. They failed to update the account when asked to validate the debt.A creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate such as misstating the balance due. They are in violation of my rights and I am requesting the account to be deleted.Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Your company is in debt dispute violation as you have failed to do the following : -submit corrected information to the CRA subsequent to investigating your dispute -refrain from continuing to submit information that it knows ( or should know ) is incorrect
I have a debt that university of XXXX is claiming that I owe them due to my not taking a masters program with them after I took the bachelors program. They sent this debt to a collection agency and I have been making {$25.00} payments once a month to States Recovery System, Inc. On XX/XX/XXXX I get a letter saying that I have XXXX of XXXX outrageous payment agreements to make or they are moving forward. The XXXX option is to pay {$2000.00} a month. The XXXX one is {$1100.00} a month. The third one is to pay {$670.00} a month. They gave me until XX/XX/XXXX to make a decision when the letter was dated XX/XX/XXXX and I got it on XX/XX/XXXX. I do n't know how these payments are justified out of the clear blue sky when I have been making payments that I can only afford and I have not been ignoring them or running away from them either.
I am requesting for XXXX to delete and remove this fraudulent account immediately from my credit files.
Called CareCredit because of my inflated balance after make several payments early. They told there was nothing I could do and that I would be penalized for making early payments.
I have a loan with XXXX/TD. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX/TD with no successful resolution. XXXX, XXXX  and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX.
XXXX AND EXPERIAN REFUSES TO CORRECT THE MISINFORMATION THAT IS BEING REPORTED BY XXXX. I WANT THIS INFORMATION THAT IS ATTACHED BE SUBMITTED TO THE CREDIT BUREAUS AND ATTACHED TO MY CREDIT FILES REFLECTING THE DIFFERENCE IN WHAT XXXX IS REPORTING TO THEM AND WHAT IS BEING REFLECTED IN THEIR INTERNAL FILES AND XXXX REFUSAL TO CORRECT THEIR ERRORS.
When I disputed this issue with the credit reporting agency XXXX creditor did the right thing but XXXX creditor continued with their sneaky way of reporting incorrect information. XXXX XXXX XXXX Card continues to report a credit card that was 'charged off ' in XX/XX/XXXX as 'open ' and the balance due as {$430.00} on my credit report. Which looks as if I am using XXXX % of my credit because the high balance that the card held was {$250.00}. I have contacted them and Experian but they investigated and XXXX XXXX corrected the account status at the time and now has since changed it back to an 'open ' status instead of 'charged off/closed '. 
2.They also keep changing the dates of the charge off. XXXX credit report has XX/XX/XXXX and the most recent says XX/XX/XXXX. 
3.They have also changed my last payment date to XX/XX/XXXX when it was really XX/XX/XXXX. ( this is XXXX way to verify the unfair information being reported. Request a copy of my 'so called ' last payment that they are reporting I made in XX/XX/XXXX ) 4.Finally. they have changed the account number in order to keep it on the report undetected as an old account past it 's seven year period of reporting. 
The credit reporting agencies disputes are not getting the job done. They just take the companies ' word and they do not request documents to verify what they are reporting. 
*I do not mind at all paying the bills that I owe however, according to the Fair Reporting Act, this company is not playing fair at all. Their tactics are sneaky and underhanded, not to mention, breaking the law. I just want other consumers to be aware of this bank 's unfair practices and for them to be stopped. 

Thanks for your time and consideration in this matter.
I contacted MCM to have this debt validated. They were unable to locate an account and are wanting the full account number, they only account number I have is the one on my credit report.
I have a Wells Fargo mortgage as well as a couple other Wells Fargo accounts. I had set up the mortgage to Auto-deduct from a checking account, but was going to close that account. I deleted the auto-deduct, but apparently it did n't delete and they charged me a {$25.00} fee for insufficient funds. They refuse to remove this fee even though it was their error. The mortgage was paid ( from another Wells Fargo accout ) on time.
XX/XX/2018 {$270.00} The charge was placed on my card without my authorization. I traded in a perfectly functioning XXXX XXXX for an upgrade to a XXXX  XXXX. XXXX is stating the phone was damaged and back charged me {$270.00}. This is not possible. I had [ aid for  insurance through XXXX. If the phone were damaged I would have used my insurance to have it repaired. XXXX not only stole my money for phone insurance but stole an additional {$270.00} for the trade in of the phone. I am filing a complaint with the CFPB. I have disputed this item multiple times. XXXX has offered to investigate and is unresponsive.
On XXXX XXXX 2016 my house was up for foreclosure auction. I have been trying for years to get a lower mortgage to save my home. I have suffered financial hardships and proven them to the lender. They had no desire to help me save my home and have offered no help. I have complained about the lack of help before but nothing changed. Anyway I filed an emergency chapter XXXX bankruptcy to stop the foreclosure sale and was successful. I wanted lender to have more time to go over my latest refinance packet. I have the stamped piece of paper with a case number to prove that I filed before sale. I heard nothing from lender. Recently a notice appeared on my door telling me that I needed to vacate my home. The paperwork said that Nationstar bought my home back on XX/XX/XXXX and sold it the same day to an unnamed party. Both sales should not have happened. Nationstar knew about the chapter XXXX but proceeded with sale anyway. I believe they broke the law. I already believe they have unfair foreclosure practices. This was a new low. They are very crooked and very disorganized and very sneaky. The stress sometimes gets unbearable. Nationstar thinks they are above the law.
This will be the 3rd complaint I've had with Wells Fargo. My question and concern with the preservation department is that ive had well over 6 or 7 reps working on my case and as a consumer i'm lost on whose working my case and whose not??? Everytime I give them the documents they request they keep on adding documents they need to re-modify my loan therefore making this process go on for nearly 7 months now. I believe whoever is the head of the underwriting department needs to be aware of this. I provided back XXXX all the information wells fargo was requesting, then like 3 weeks later they ask for a tone of different more documents, strictly just calling me a liar that I don't live at XXXX XXXX XXXX, that all my mail goes to 3 carriage cove where I used to live that is correct because I still have furniture at that residence that I haven't picked up so I come every week to 3 carriage cove to pick up my mail I've already provided Wells Fargo a proof of occupancy from XXXX XXXX XXXX, pay stubs, income tax return etc ... I believe as a consumer i'm being descrimated against and being called a liar, which is highly illegal in the banking industry. I wouldn't be this concerned if I didn't care about keeping my property!!!!!!!!!!!!!
I ordered a XXXX Internet service, but XXXX did not get the service setup - indeed I have attached a voicemail message from a XXXX representative where he states that the service was not setup, however XXXX proceeded to bill me for the service that never was setup and never provided. I have several times reported this both to XXXX and to the debt collector that XXXX gave this over to - all to no avail as they just say their records show I received the service. The fact is they could not setup and provide the connection to my home and acknowledged this in the attached voice message left on my phone answering machine ; however, XXXX continued to bill me for what never got installed. I sought internet service and they threw in a phone line as a special addon offer, but I never received any of these. Indeed, after a year of disputing and getting their acknowledgement that they in fact never sent me the box with their modem that was part of the original order, they then, one year later without my knowledge, sent the the useless box with modem that could not be used because they had never completed the line setup to my house and the service obviously was not setup even then. For many years I have tried to straighten this out but my credit has been lowered due to their false claim on my credit showing " XXXX XXXX XXXX '' for " XXXX '' as a bad, unpaid debt on XXXX, XXXX and TransUnion all to my damage. Even with my proof ( see voicemail from their rep attached ) it never was installed, they insist their records say otherwise. These arrogant companies deserve to be fined severely and pay for the damages they cause!
On XXXX/XXXX/16 I made the last payment on a PNC home eqity line. It was due that day, and although the closing on my house was XXXX, I would have been delinquent if I did not pay by the XXXX. I assumed this would be returned to me on the XXXX at closing. 
PNC did not post my payment by the XXXX. 
My wife mistakenly made an additional automatic payment of {$2000.00} of on XXXX. 
I was told by XXXX XXXX that XXXX refund checks were sent to my home on XXXX and XXXX. They never showed up. I emailed, called him and went into the branch repeatedly about this. 
I was told by XXXX XXXX that no check had been sent, but the account close out would be processed on XXXX and after 10 business days they would send a check. I asked why 10 days. The answer was " PNC policy. '' A check did arrive and I deposited it on XXXX in my XXXX XXXX account. 
On XXXX the check was bounced. PNC stopped the check. I do n't know why. They apologize but they can not explain what happened. I 've spoken to XXXX XXXX and he said he would find out why it was stopped, and told me another check had been sent right after they first check had been stopped, which was before I deposited it. 
I have subsequently spoke with XXXX XXXX ( she seems to be an executive at PNC ) who called me on XXXX to apologize and said she would investigate. She promised a return call to follow up in a day or so. She has not called and has not returned my phone calls for the last two days. 
The replacement check has been " in the mail '' now for about three weeks. They own me {$5100.00}. There is no dispute about the amount or that it is owned to me. But PNC will not pay. 
In addition to a lot of time that I feel PNC should compensation me for about {$50.00} in {$49.00} in XXXX XXXX charges associated with an overdraft that PNC caused and a {$12.00} charge to me for the stop payment. In my profession I bill hourly and this is lost billed hours - probably four hours so far. That 's about {$2000.00} at my billing rate. 
Contact information for persons noted above : XXXX XXXX XXXX Financial Consultant PNC Bank XXXX P XXXX F XXXX C XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
While applying for the Barclay XXXX Card I asked the application specialist if they waved the annual fee for XXXX XXXX service members ( since this is common in the industry and they have a high annual fee ). The application specialist told me that sounds right but could not give me a definitive answer until I actually opened an account so they could ensure I was in a DoD database. Given that they had recently waved the fee for a few of my friends I applied for an account. After receiving the card and opening the account I transferred to a SCRA specialist who told me that a few weeks ago 'leadership ' made the decision to stop applying that SCRA benefit unless the service member incurred the debt prior to DoD enrollment date. There were unable to wave my annual fee as my XXXX XXXX service started in 2005. I explained that the application specialist was vague when I asked this specific question and led me to believe that the fee would indeed be waved. There is no way I would have applied for this high fee credit card or let Barclay run my credit report if they had communicated their actual policy during the application process. 

I closed the account prior to the annual fee being assessed, however this account will now appear on my credit report, and the fact that Barclay ran my credit report will lower my score.
I have a title loan on my XXXX Chevrolet Equinox through Titlemax located at XXXX XXXX XXXX XXXX, VA XXXX, phone XXXX. The state of Virginia requires a 10 day written notice to be sent before repossession of the car. That was not done and the car was repossessed XX/XX/2016.The repossession agents told me they were going to charge me with a felony if I did n't give them the car. They did or acted like they were calling the police and told my wife I was going to jail. I called Titlemax and I told the person answering the phone I would come in and pay today. The repossession men called Titlemax and they said no but to tow the car in. When I was trying to call the District Manager they pulled up to attached the car to the wrecker. He said I would be responsible for repossession costs. According to 6.2217 of the Code of Virginia, I am not responsible for these costs without a 10-day notice. Also, I was willing and offered to pay today to avoid this repossession. I was denied my rights under Virginia state law.Also, I was threatened with the police and to be charged with a felony and I know that type of intimidation is not allowed according to the Fair Debt Collections Act.
Creditor Information XXXX XXXX XXXX XXXX XXXX  FL XXXX  ( XXXX ) XXXX Account opened ( NOT BY ME ) and used twice with no payments made disputed with Transunion and they would not remove because the account was used twice Opened in XXXX 2018 I believe. This is an account I have not opened or authorized to open and I can not even file a second dispute because they have not closed the first one. I has cost me 80 points on my credit score. Can you help please
I made an " extra '' payment on my private student loans on XXXX/XXXX/15. The payments due on XXXX/XXXX/15 had already been made on XXXX/XXXX/15 so no payment was due. Navient deducted late fees from my " extra '' payments even though these were not late payments.
On my credit reports with each company they show a Repo for my car with XXXX XXXX XXXX. This car is in my possession. I am trying to work on my credit but this is holding me up from jobs and everything. I need this addressed and fixed please.
In XX/XX/XXXX, I obtained a vehicle through XXXX XXXX XXXX. In mid XXXX, I started received notifications that my car payment was reported late almost every month until I traded the car in and got a new lender. I contacted Carmaxx during my current loan with them as well as on XX/XX/XXXX. I called and ask to speak with a supervisor, letting her know of my concerns for the inaccurate reporting of late payments. She basically told me there is nothing she could do to update the information anymore because I am no longer a customer. I explained to her that I have previously called numerous times to get this resolved, and I put in several complaints with each bureau. Carmax has repeatedly said this information was correct. 

I really need help getting this inaccurate information updated because it is affecting my credit in a negative way. All of the dates below are inaccurate. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX