WillisBack/dataset-financial-user-claim huggingface dataset:
There is a XXXX post paid account that has been added and deleted to my credit file several times. The date of first delinquency with this creditor was in XX/XX/XXXX and it appeared on my credit file as XXXX in XX/XX/XXXX. The accuracy of the information was challenged and subsequently deleted. This item appeared again on my credit report XX/XX/XXXX with a open account date of XXXX XXXX under the collection agency, XXXX XXXX, XXXX, Account # XXXX, the Experian Credit report # XXXX. This information was challenged and subsequently deleted. Now, the information is once again showing on my Experian credit file report # XXXX under the collection agency, XXXX XXXX XXXX with an open account date of XXXX, XXXX. I challenged the accuracy of this information as it is a re-aged account in XXXX, XXXX and I received an email confirming the investigation was completed and the credit collection will remain an open account with a date of XXXX, XXXX despite this information is a re-aged account. Please assist me with this matter as it has seriously damaged my credit score since it is showing as a new collection account and it is also going to remain on my credit file longer than legal because it is re-aged to XX/XX/XXXX rather than the first date of delinquency in XX/XX/XXXX.
I dispute the validity of this Tradeline. 

XXXX XXXX XXXX XXXX This account : 1. Is missing the Balance History Data for the most of the time the account had been open 2. This account was opened in XX/XX/XXXX, yet only XX/XX/XXXX to XX/XX/XXXX is showing. 
3. Has Late Payments, when there is no Balance History to support this. 
4. Has erroneous comments added - to this and almost all of my accounts. 

The record is incomplete, and therefore inaccurate. 

Please validate the Payment History to ensure the entire history is published Please ensure that history can support any late payments reported, or DELETE the account.
Last month 's statement had a note stating that I was now enrolled in Online/Phone payment option ( see attachment ) and that no envelope was included. I did not ask for this .I always pay by mail. The carefully crafted wording does n't say who enrolled me in this new payment option.I feel like this is a high pressure move mixed with false or misleading advertising. XXXX Shades of XXXX?
I filed a dispute with XXXX regarding yet another account that is in collections in XXXX, which is due to stolen identity and the result was that XXXX is continuing to list this account as mine on my credit report. 

I have had identity theft going on for over 2 years and I am just beginning to restore my credit and now it starts all over again. I am very weary of filing complaints, disputes, affadavits, sending registered mail, faxes, numerous phone calls etc, etc.
I made a furniture purchase with XXXX XXXX and the purchase amount was financed with a promotional offer through Synchrony Bank. The amount of the purchase resulted in both a pre-authorization and an authorization, both in exactly the same amount. I have notified Synchrony Bank multiple times over the past four months to have the pre-authorization removed, but they have refused to do anything about this error and generally just provide poorly written system messages with unhelpful documentation such as a pre-authorization typically drops off after 7-10 days. OK, but what happens when it doesn't? Is all of the responsibility on the consumer to figure this out or take the risk that the pre-authorization will never actually be authorized and/or lose access to previously approved credit because the pre-authorization amount is reducing available credit?
Bank of America has destroyed my credit and I have been trying to correct it for 4 years, just recently I paid off my home and was late XXXX XXXX and XXXX of XXXX because of escrow. Bank of America put my account as closed and not paid with the credit bureaus and has added lates for XXXX a whole year, XXXX put lates on my account which is not true and my score has dropped to the point of not being able to obtain another home loan, I am very upset and need assistance, this has happen to me before with Bank of America they even lied when I was modifying my home loan. I need help!!! I have had enough this is keeping me from getting a home again and it is not fair. I have disputed with their credit department, and all XXXX credit bureaus, but I need someone else to audit their records and help, I can not keep going through this with them especially after paying off my home loan. Any assistance would be greatly appreciated. 

Thank you, XXXX XXXX
Ive paid my past due XXXX XXXX bill in full after agreeing to a for deletion with the collection agency RPM. Ive tried countless time for someone from their company to rectify this matter but no one will hear me out. They purchased this debt in XX/XX/2014 from XXXX XXXX.
there 's a few reasons that I am making a complaint and I want a full investigation into these issues and inaccuracies. I know that when I dispute with the bureaus and creditors, they are required to put the required notice of dispute pursuant to section 623 within 30 days. This was n't done and section 623 states that the accounts can not report without this. These accounts must be deleted.

On top of this, I 've disputed these accounts with the CRA 's and have clearly listed each of the inaccuracies that I 've encountered and nothing was corrected! How can this be when I 've pointed these items out? I know that I have rights under the FCRA and these items must be corrected or they must be deleted pursuant to section 1681 so why are they still on my credit report?!

Here are a few examples : XXXX is reporting different open dates than the other 2 bureaus XXXX is reporting a monthly payment on a charged-off account There 's no original amounts on certain accounts and I notified them of this and it was n't corrected There 's different or missing limts on XXXX on all 3 bureaus Equifax and TransUnion is reporting the XXXX accounts are currently 120 days late instead of transferred and I can not be 120 days late on transferred accounts and all accounts that are transferred must be reported as such I 'm attaching my identification, my most recent disputes and my credit report to prove these things.
I accidentally made double payments on the tax ( once from the escrow and once by myself personally ). The county sent back one of the payments to the Mortgage company ( XXXX. The Mortgage Company had transferred my account to another Mortgage Company ( Freedom Mortgage ). XXXX sent the money to Freedom Mortgage. Freedom Mortgage has received this amount ( They have the XXXX Tracking number and the package has been received by them ).
I have requested them to send this money back to me. They have asked me to obtain Proof of Payment from XXXX etc. Despite many attempts to coordinate this effort between the two companies, I have not received my money.
I was late/not up to date with my student loan payments for a period - 90 days. A deferment/forbearance was granted and applied retroactively covering the time frame i was late on my payments.

Section 623 of the Fair Credit Reporting Act governs the responsibilities of furnishers of information to consumer reporting agencies. Specifically, Subsection 623 ( a ) ( 2 ) imposes a '' [ d ] uty to correct and update information. '' This deferment has changed TWO things. First it has brought the account up to date and current on payments. As a result the account is no longer delinquent.

Second and most important the lender 's records now show that my account is current on payments for the periods that include previously reported delinquent periods. Now this is key. It is important to note that as of now with theupdatedinformation your account is current with the lender. It is no longer delinquent because the deferment was applied retroactively.

As a result the furnisher of information has a duty under Section 623 ( a ) ( 2 ) to provide thisupdatedinformation to thecredit bureauand credit bureauis obligated under Section 607 ( B ) to report thisupdatedinformation on the consumer 's credit report.

XXXX   agent tried to argue that i was in fact late therefore that information is accurate. However i reminded him of their obligation pursuant to Section 623 ( a ) ( 2 ) a duty to correct and update information.

XXXX failure to understand that their current records show that the periods that were initially reported as delinquent are no longer delinquent due to the retroactive deferment.
XXXX    XXXX   XXXX   Opened  XXXX   XXXX ,  XXXX  {$170.00} Original creditor :  XXXX    XXXX   XXXX   I have legal documentation that this account was stated as CLOSED and that their would be no further financial obligations as of  XXXX   XXXX .
I purchased XXXX Litecoins using Coinbase on XX/XX/XXXX. The currency showed up in my account on XX/XX/XXXX, however, after showing up in my account, my buy and sell activities became restricted for no apparent reason. After looking at my sign in log it does n't look as though someone was trying to access my information, and I even provided further identification with my drivers license with no luck. Its been 7 days and I want to be able to actually access my money. This may seem like poor customer support that just needs to be resolved, but several people on XXXX seem to be having a similar experience with Coinbase right now. I luckily only bought XXXX  litecoins for {$230.00} total. Some people have a lot more than I do, and do not have access to that money they bought, which is why I classify this as a scam. It does n't make sense that the day I receive my money, I can not longer buy or sell.
Currently I have an FHA loan with Nationstar mortgage,  XX/XX/XXXX  I received a HAMP modification I fell behind because I had to replace my roof of my home. I filed for Chapter  XXXX  bankruptcy  XX/XX/XXXX  to keep my home  XX/XX/XXXX  I applied for a Loan modification again I was told I would not qualify until  XX/XX/XXXX  for another modification which would be 2 years from the previous one, It was denied  XX/XX/XXXX  saying I had a previous modification. I applied again and now they are saying I There is a Government Investor and I would not qualify for a modification until  XX/XX/XXXX  now 3 years later, can you please look into this for me I have been trying diligently to get the payment modified now that I can afford it again.
XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX   Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXXXXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX   Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXXXXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies
In light of the hack of XXXX, I want to freeze my credit report accounts at the three main credit agencies. I was able to successfully freeze my credit reporting accounts online with two of the agencies ( XXXX and XXXX ).  However, when I entered the same information at the Experian website, I was informed that the freeze could not be put in place based on the information submitted. The companies should have consistent systems that allow for a freeze to be placed on an account online without having to go through the extensive process of sending information by mail. 

As an aside, the placing of a freeze on anyone 's accounts and the release of the freeze should be free as the data stored by the agencies is personal to the individual and should be controlled by the individual whose information is being distributed.
After 12 years since we sold house, bank send bill for {$10.00}. when I called they have no explanation for what and they not sure if they will not bill more again. This account was HELAC we closed 12 years ago. Since then we been never contacted by bank.
have talked to capitolone supervisor andhave sent letter to corporate office with no response all can be seen on accountand payments set with supervisor at capitol one, interest fees to high and payment not being reported and late fees 5 times in a row for XXXX even though make payment ofXXXX that wasagreed to.
An Affidavit of Truth Final Opportunity To Cure was sent to representative ( s ) and/or Agent ( s ) of SLS Loan Servicing on XXXX XXXX, 2015 pursuant to the federal FDCPA and Title 15 section 1241 of the Real Estate Protection Act. SLS was required to respond to questions pursuant to the FDCPA in thirty ( 30 ) days. SLS has dishonored. SLS has also failed to timely respond to issues pursuant to " RESPA ''. SLS in addition to XXXX XXXX XXXX, XXXX lack standing in this matter and claims that a debt is owed to them are frivolous. SLS in addition to XXXX XXXX XXXX have had more than enough time to Cure their Fault. SLS continues to hinder my life & liberty with inaccurate reporting on my Consumer Credit Report. SLS claim is on its face and I have supported all facts with material evidence. This is my final attempt to obtain private remedy before moving my complaint to a court of competent jurisdiction.
i purchased a car thru capital one finance ... i have already filed a claim and the have responded back from my claim ... .they said the reason i was charged 13 and 1/6th percent is because the loan went over by XXXX ... ..if that was the case why was i not told that why was i not giving the opportunity to accept or decline the new percentage rate ... .why was i not given the opportunity to pay the additional XXXX ... ..why would i allow cap one to charge me 3 percent onto my loan over 6yrs just because the loan went over by XXXX ... ..no one gave me the opportunity to make that decision ... ..noone ever said or explain to me that the reason the interst rate was higher was because the car loan went over by XXXX ... ... cap one can not make that decision for me ... .i should have been given the opportunity to make the decision not cap one ... ..
Debt Collection Company Augusta Collection, XXXX XXXX ( SP? ) Owner. XXXX For several months we have been receiving automated calls to our home phone. Attempts to press 9 to talk to an agent have resulted in being disconnected or being sent to voicemail. Any response to the automated calls result in immediate call backs from the automated system that disconnect when answered. I have blocked several phone numbers from this company but they seem to be able to circumvent this and manage to get through, I assume they have multiple numbers. All this calls have been for my Mother-in-Law who has never lived here and has been in a XXXX XXXX for several years due to XXXX XXXX XXXX XXXX XXXX. My wife has a POA for her which I assume is how they got our number. We are on the do not call list. Today after receiving another automated call with no response I redialed the number and for the first time a person answered the phone. She immediately started demanding information and I told her until she identified the company and herself I was not going to give her any information. She said she was the owner of the company and asked if XXXX lived here and I said no but she was my mother-in-law and what debt did this concern. Again she started demanding the address and phone number wheremy mother-in-law lived and when I told her until she explained what this was about I was not giving any more information. When I started to tell her I did not appreciate the harassment she hung-up without saying anything. In my assessment Augusta Collections is a third party debt collector using technology and intimidation to get money from frightened or confused individuals. Harassment is their business model with the hope of recouping a marginal percentage of purchased debts. They have no concern or interest in the individual or situation.
I opened an account XXXX years ago. When I opened the account I was offered a discount of 20 % off every bill because I am a XXXX Veteran. I did n't ask for it and never knew about it until it was offered by the manager. I showed my Veterans ID and oppened the account. I never once received the discount. I called monthly and was always promised retroactive credit which I never received.I finally decided to change carriers. I think the final bill was about XXXX. I received a bill for XXXX. I have tried to contact XXXX for copies of past bills but they have been totally uncooperative. I am not refusing to pay, I am disputing the amount owed. They have given it to collections before and I have been successful in having it removed from my credit report. It has again been reported to the credit bureau XXXXI would like to have it removed until sprint at least makes an effort to correct their mistake.
Citi XXXX XXXX Credit Card - have balance under promotional offer - Titled Offer 5 - 4.99 % until balance paid - had no other balances due. XXXX/XXXX/15, purchased concert tickets. Purchase went to Offer 9 - 1.99 % until XXXX/XXXX/15, then standard rate of 17.99 % after. Concert cancelled by artist. Purchase refunded by Citi on XXXX/XXXX/15. Citi applied refund under Offer XXXX instead of Offer XXXX. Charged Interest on offer XXXX for XXXX and XXXX for a refunded purchase. Statement showed Offer XXXX balance subject to interest rate of {$140.00} with interest charge of {$0.00}. Made payment. XXXX Statement showed Offer XXXX balance subject to interest rate of {$170.00} with interest charge of {$0.00}. How does a balance go up by {$34.00} when a payment was made and the interest charge was only {$0.00}? Also, because payments apply to higher balances first, and Offer XXXX balance is much higher than Offer XXXX, my next payment will not touch Offer XXXX and Offer XXXX will revert to the 17.99 % standard rate. The practice of not applying a refund to the offer in which it was charged has me paying interest on a refunded purchase and has set me up to fail completing Offer XXXX in the required timeframe and raising my interest rate. Because the purchase was relatively small, the net effect is minimal but, if this were a much larger purchase, like if I bought tickets for a large group so we could sit together, I would be subjected to a much higher interest payment, especially after it reverts to the standard interest rate. I feel this practice is fraudulent and wonder how many others are affected. I am sure it could exceed XXXX per month that Citi can collect fraudulently, with most people unaware. I spoke with manager with Citi, but they unsatisfactorily explained this to me.
I contacted Transunion after I received a copy of my credit report in XX/XX/2018. Over the last 6 months Transunion has given my, an identity theft victim, the run around of trying to get the fraudulent accounts and inquires off. I have several accounts and inquires that are not mine. I was even told a fraud alert would be on my credit, I'd be contact before they went forward with an inquiry or new line of credit. However, here we are, and I'm still getting fraudulent inquires. I've finally decided to involve the FTC and have filed a identity theft report with them, I'll be contacting my general attorney if Transunion countines to report fraudulent accounts.
I have been victimized by the XXXX real estate crisis. Was given bad information pertaining to a re-fi loan application back in XXXX. Had perfect credit score until that point when I was instructed by advisors to miss at least 6 mortgage payments to become eligible. While following their directions my mortgage company began the foreclosure process. I had to scramble to maintain my home. Had to pay {$15000.00} to reestablish a 40 year mortgage at 7.75 % interest rate to keep from losing my home. Since XXXX, my guaranteed mortgage was converted into a none guaranteed mortgage causing me a problem getting any refinance consideration due to the fact it was now a none guaranteed mortgage. This process whereby my mortgage is bought and sold has occurred no less than a half dozen times. Most recently is occurring right now as my mortgage is being sold to Morgan Stanley LLC effective next month. I want to be able to refinance my mortgage at a reasonable rate but because the status of my mortgage has changed I am ineligible.
Enhanced Recovery has put XXXX different collection accounts on my XXXX profile. All of the Debts show different amounts and have been re-aged which is illegal. I would like to have this removed from my credit file. According to the law reaging is illegal under Creditors, collection agencies, or credit bureaus, if they try and " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer. Consumer protection afforded by the FCRA FCRA Section 605 ( c ) {$1000.00}. 



Open Date N/A N/A XXXX, XXXX {$0.00} {$0.00} $ XXXX Utilization Ratio 0 % 0 % 0 % Last Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX N/A N/A N/AThanks,
On XX/XX/XXXX I had a brief hospital stay at XXXX XXXX. As I was leaving the hospital, I paid my " anticipated charges '' in the amount of about {$400.00}. My balance ended up being around {$600.00} total and was paid the following month after I was sent a bill by XXXX XXXX. That month I was also contacted by Evergreen Professional Recovery stating that I owed money to them for services rendered by XXXX XXXX. These bills had already been paid and I spoke with XXXX XXXX and got everything cleared up and eventually switch insurance providers. 

Earlier this month ( nearly five years after paying this bill ) I received a phone call from XXXX at Evergreen Professional Recovery on XX/XX/XXXX and again on XX/XX/XXXX stating that they are trying to collect on this debt. They have not been able to provide me with any paperwork. XXXX suggested on XX/XX/XXXX that I call XXXX XXXX to clear up this issue. I called XXXX XXXX XX/XX/XXXX and was informed that I had no balance on my former account.
Since I 've already paid into the process of the inspection, the refinance office has been especially slow in answering questions I have to get my loan processed. They have at times made me wait 48 hours ( possibly longer as I 'm still waiting ) for an answer to valid applicable questions.