WillisBack/dataset-financial-user-claim huggingface dataset:
SEVEN/TEN YEAR RULE UNDER FCRA GUIDELINES - REMOVAL OF TRADE LINESXXXX new decisions - XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ___ XXXX ___, XXXX XXXX XXXX ; XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( ordered depublished XXXX XXXX, XXXX ) - have changed, clarified, or confused ( depending on your point of view ) the legal landscape in California as to the legal obligations of so-called " furnishers '' who furnish credit-related information concerning consumers to credit reporting agencies. These cases address the obligations of furnishers under federal and state law to supply accurate information, as well as a furnisher 's obligation to " reinvestigate '' a consumer 's dispute. These cases also indicate that, for the time being at least, a heretofore unrecognized private right of action exists under Civil Code 1785.25 ( g ) and 1785.31 for failure to accurately report credit information in violation of 1785.25 ( a ). An understanding of the relevant history is important before one can properly evaluate the current state of the law and the XXXX and XXXX decisions. 
The Original FCRA Legislation Applies To Credit Reporting Agencies OnlyThe Fair Credit Reporting Act ( FCRA ), found at 15 U.S.C. 1681, et seq., was originally enacted in XXXX. The express purpose of the FCRA was to require that consumer reporting agencies adopt and implement " reasonable procedures '' for ensuring that credit information about a consumer was collected, maintained, and dispensed " in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information ... '' FCRA, 15 U.S.C. 1681 ( b ) ; XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, XXXX. The Congressional findings noted that " [ t ] here is a need to insure that consumer reporting agencies exercise their grave responsibilities with of fairness, impartiality, and respect for the consumer 's right to privacy. '' FCRA, 15 U.S.C. 1681 ( a ) ( 4 ). However, the credit bureaus do not follow through with any methodology a system that automatically removes an antiquated credit trade line, which leave creditors in control to remove a negative trade line at a later date by simply re-aging the trade line payment history. 
Notice that a positive trade line can be maintained for a ten year timeline from the credit procurement after the account has been closed out. The ten year timeline carries from the date the credit trade line was first reported to a credit reporting agency, or from the date of procurement of the debt. 
I demand the above referenced credit trade line removal based upon the passing of the seven/ten year timeline. And I maintain that there is no further relevancy to the debt being posted under FCRA guidelines. The above-referenced state cases show that the accuracy of credit reporting carries into state court cases as well, whereas a creditor can be brought up on serious civil charges outside of federally protected jurisdictions under FCRA.
A dispute was submitted regarding Portfolio showing on my credit report that I owe them XXXX for a bill from XXXX XXXX XXXX with an open date of XX/XX/XXXX. I've asked for proof of account being open during that time and they only provided an old bill from XXXX XXXX that was opened in XXXX and discharged in a Bankruptcy. They still did not show me having an open account effective XX/XX/XXXX. XXXX with them or XXXX XXXX XXXX. They are reporting false information on my report and request they submit proof of account being open with them, a contract or any documents regarding an account being open with them or XXXX XXXX XXXX XXXX XXXX
We received a medical bill from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The amount we owed after insurance was {$210.00}, paid on XXXX XXXX, 2013. The company still turned us over to collection. To date we have been harassed by the following companies in order to collect a debt we paid. We have sent all documentation to each company, i.e. our credit card statement with the amount paid to XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDebt Recovery Solutions, LLCEach company names the creditor XXXX XXXX XXXX, XXXX. We have had to prove each time we paid the debt. Each company is collecting the exact same amount we paid. This has to be some sort of fraud at this point on their part to collect a debt we have proven time and time again we paid.
In the summer of   XXXX    one  of my friends told me about a special offer  Barclay 's Bank of Delawa re was offering to  XXXX   XXXX  military fo r its Gold Card  credit card. I contacted  Barclays to inquire about the special offer and the woman I spoke with confirmed that Barclay 's  was waving the annual fee for all  XXXX   XXXX  military who qualified for the credit card. As part of the offer  Barclay 's  was also offering 0 % interest on the balance of a card. I applied for a card for me and another for my spouse. As part of the application, I sent a copy of my most recent  XXXX  to prove my  XXXX   XXXX  status. Within a couple of weeks, I was approved.     The welcome aboard letter assured me tha t Barclay 's  would continue to wave the annual fees and maintain 0 % interest on my account balance as long as I was on  XXXX   XXXX . However, earlier this month , Barclays sent  me a letter informing me that they would no longer wave the annual fees and I would have to pay the annual fee beginning in  XXXX . I immediately called  Barclays  and after some discussion with the customer service representative, closed my account because I did not want to pay the annual fee.     In hindsight, I should have immediately filed a complaint agains t Barclay 's for breach of contract and waited for resolution before closing the account. However, by refusing to wave the annual fee,  Barclay 's altered the agreement we had when I was approved for a credit card.
My Sears card Credit card was closed without my notification in maybe 2013 after Citibank bought out Sears cards. I learned this when I tried to use it after not using it for a while, but had been loyally paying my balance for about a year. Because I had been paying every month and not using my card, I had not been using my online account. When I began to investigate transferring my balance as a way to lower my absolutely insane interest rate, I learned that my online account was inaccessible. In addition, I have not received a paper statement from Citibank regarding this account in years, but a monthly payment continues to come out of my banking account, and the only way I know this is because somehow XXXX has access to my closed online account, and notifies me that the payment has been made. I do also get an email from Citigroup thanking me for my payment ( which is, every month, just about the interest that has been tacked on that month ). Every time I have tried to gain access to this online account to see Citibank 's activity in my account ( to see any statement, of any sort ) I have had to have an hour-long phone conversation, where I am asked for my account number, which I have not had access to in years. Then, even upon supplying my social security number, no one who is transferred my call is able to even find my account based on my name, previous addresses, SS number, and last XXXX digits of the account number. Which leaves me to wonder, now that I have paid more than then entire current balance to Citigroup over JUST the past TWO years of about four or more years of payments, why I am still paying an account that no one can find? Additionally, I have been told that legally I am not allowed to access an online account because the credit card account was closed ( by Citigroup, without my notification ). PLEASE help. I ca n't afford to keep paying them hundreds of dollars a month but I have trying to slowly rebuild my credit for years so I also ca n't afford to stop paying them.
I was part of the Equifax breach that was in the news in XXXX XXXX. They set up a website to verify if I was impacted. I immediately received a credit monitoring registration date, however I noted that in order to comply with that, I would rescind my rights to being part of any future lawsuits.
XXXX collections is reporting on my credit a medical collections account that IS PAID IN FULL AND WAS BEING PAID BY THE INSURANCE it can not legally report anything on my credit as I do n't have an account with them and Medical collections cant be reported if they are being paid by Insurance. They use the name carter young on XXXX Credit report and the name XXXX on my XXXX report and have no name listed on XXXX the account has a XXXX balance and needs to be removed within the XXXX days that they are allowed by the FDCPA as my right 1. I am requesting a FULL payment history 2. The contract that I have with XXXX ( I do n't have one ) 3. The signed paper work req for me to waive my hippa rights. 
4. The contract where this account was placed with XXXX has XXXXdays as the law stats to validate this debt provide my in writing the the above information. If they fail to do so they have XXXX options remove this account from my Credit File or face legal action.
Equifax continues to say they are still verifying through this company which is incorrect and untrue. I also received information from Equifax advising XXXX is reporting correctly and that is untrue. They were REMOVED from my report on XXXX/XXXX/XXXX and placed back on XX/XX/XXXX. Now XXXX is BACK ON MY CREDIT REPORT. The accounts were disputed, but they will not do any investigation about these issues. Per The right to dispute the debt and receive validation are part of the consumer 's rights under the United States Federal Fair Debt Collection Practices Act ( FDCPA ) and are set out in 809 of that act, which has been codified in Title 15, Section 1692-1692p of the United States Code. According to FCRA 611 ( 15U.S.C 1681I ) Certification of accuracy of information. if any information has been deleted from a consumer 's file, the information may not be reinserted by the consumer reporting  agency. if any information has been deleted from the consumer 's file is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. This has not been done AT ALL. The credit bureau has not verified any information nor did I receive any documents that XXXX would be placed on my file let alone reinserted. Please review and help me get the resolution that is justly needed in order to clear my name and my credit.
524 Injunction : XXXX  XXXX XXXX per the enclosed exhibits did not adjust my mortgage on the agreed date to be compliant with the court order reaffirmation agreement. XXXX kept sending me statements with the original loan amount and payment. I making the required payment the month after the agreement only to have XXXX escrow the payment and not apply them. In XXXX XXXX acquired the mortgage servicing rights with the incorrect balance and monthly payment and now a forced placed insurance policy added to the loan. XXXX XXXX  started sending out notices with the original note information then corrected the loan in XXXX of XXXX but still listed the cram down debt on the statements as defferred P & I this was a violation of my plan and a 524 Injunction. 
XXXX XXXX filed a foreclosure motion in XXXX but before I could file a counter claim XXXX XXXX sold the mortgage to XXXX and Shellpoint became the new loan service company. Shellpoint assumed the foreclosure in court where the case was not heard only rubber stamped by the judge. The docket of the foreclosure case states that I never paid a payment after the reaffirmed agreement now shell point has stated that I had made 4 payments and that BAC had not been compliant. Shell point has now listed the reaffirmation crammed down debt in the amount of {$19000.00} as BK Cost on payoff statements this is the exact amount of the XXXX XXXX Defferred P & I listed on there statements. This is attempt to collect discharged debt and code it as something else in court is a 524 Injunction of the debtors Bankruptcy plan.
We were trying to access Experian Free annual credit report online ( last accessed XXXX ). Error message states : " We are very sorry, we seem to have run into a technical problem with our system and are unable to complete your request at this time. Please try again in a few minutes. If the problem persists, contact customer support. Error Information XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX '' 2nd attempt about half an hour later resulted in " We were unable to honor your request ... '' and directed that we could provide this request with copy of driver 's license and utility bill at www.experian.com/upload. 
3rd attempt via upload link resulted in " We were unable to upload the below document ( s ) successfully. You may submit your documents by mail to Experian, XXXX XXXX XXXX, XXXX, Texas XXXX using this form. '' So now, to get a " free ' credit report, I have to mail this, paying for certified service in order to get receipt information. 
Copies of documents attached. 
Thank you for your time & consideration.
XX/XX/2019 - late payment. XXXX from Avid acceptance called my job. I'm not allowed to have personal calls. I told her I'm not allowed to have personal calls. She tried to become aggressive with me before I could hang up. 

XX/XX/2019 - late payment. XXXX called my parents, and my parents told XXXX to stop calling them. 

XX/XX/2019 : late payment : XXXX called my office again. My office extension is broken, so I wasn't able to pick it up. So, my receptionist paged me. I wasn't able to get the call in time before the person hung up. About thirty seconds later, my cell phone rings. It's XXXX from Avid Acceptance. I asked her if she called my office, and she said yes. I told her to stop calling me, again. She then became  verbally angry and yelled at me " WHEN ARE YOU GOING TO MAKE YOUR NEXT PAYMENT?! '' Then, I hung up and created this complaint.
To CFO : XXXX XXXX XXXX has fraudulently used my Social Security XXXX XXXX  account number to issue me my own credit. How I found out is when I linked my social security number to my small business bank account on XX/XX/2017 for XXXX XXXX dollars and was approved and acknowledged and XXXX XXXX pooled my credit report because someone seen the transaction take place. I also filed a XXXX XXXX with the IRS as the issuer of my own credit and it was approved as a tax professional and XXXX still have failed to correct the records of the payments for All my student loans because their trying to raise capital off of me as a slave! I'm over the age of majority and competent! They are trying to comitt embezzlement again me. According to the VESSLE lien act, they only had until the age of 25 to commit this crime against We The People! I also reported this matter to Experian for them to correct their records as well because their reporting false information against my account and has caused me punitive damages! This matter is with prejudice. 

P.S. 
XXXXXXXX
About two weeks ago I was traveling and had to make a call due to continuing web access problems to get my account balance from my bank Wells Fargo. After getting my balance the Customer Service Rep. informed me that if I did not " enroll '' in some Bank " travel program '' I " may '' have my cards declined or holds put on them. So they want me to inform them if I travel when and where I will be or I " may '' have problems out of state. I would think they can put what ever restrictions they want on my credit card as that is their money. But how can they threaten to withhold my personal funds by declining my ATM because I have left my home state? This is to me extortion to threaten to deny my access to my own money if I fail to participate in the " please burglarize these empty homes list ''. They can not keep my cards safe as I have been hacked 2 times in 2 years why should I trust them with when I will not be home?. There own Customer Service people showed their honesty when they opened millions of bogus customer accounts. And I should trust these same people to keep it a secret that I am not home, really? It is none of Wells Fargo 's business when and where I travel. Are the selling this info? I feel sure there are laws preventing a bank for using extortion tactics to deny assess to your own money. I have traveled to the 48 contiguous states and 8 countries and never reported my whereabouts to my bank and will not in the future.
To comply with the Uniform Commercial Code in a state, a UCC-1 Financing Statement must be filed with the Secretary of State, by anyone who makes a claim against any other person in the area of commerce. All government agencies, ( city , county, state and federal ), operate in commerce and all of them are private corporations ( persons ). I am enclosing a copy of a UCC-11 Information Request to show proof that there is no public record of any debt being owed to any corporations. Due to these findings it is imperative that any credit reporting bureau that are listing this inaccurate account on my report, be removed/deleted immediately being that there is no evidence to show that a debt is owed to them. I hope you find the enclosed information sufficient to conduct your investigation so that you may enforce the laws designed to protect the public from misleading or unlawful business practices.

Below you will find the account that are currently being disputed : XXXX ACCOUNT NUMBER XXXX
I had applied for a card to help  my credit score to possibly get a house one da y, well it wo n't happen with this company! I was denied ... Not sure how because I read what you need to have to qualify and I was in those limits. on  XXXX   XXXX   XXXX  I receive a letter with WRONG date (  XXXX   XXXX   ) s ee attachment and with this explanation : " Based on your application information, there is legal action pending against the applicant '' Actually my credits report show that I have closed all credit card with them in very good terms. For some reason they have incorrect information about me. I have very good credit with  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  and with my credit union  XXXX   XXXX   XXXX  with limits of  XXXX  and Up.
I have   a Amazon visa rewards card through Chase. I have my automatic payment feature setup through their customer portal. It is currently set to full amount, but I have had a minimum amount applied every time the autopay date rolls around. I will be attaching some screenshots showing my autopayment hold from my bank account, the auto-payment settings, and my current account balance after having autopay apply payment.
I have seen this several times and I believe this is a scheme to defraud people 's payments in order to increase interest rate payments at Chase. This is un  acceptable behavior.
Dear sir/madam, as I was going through my credit report on Experian negative report on my credit. The negative report was from XXXX, any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine.. XXXX I Copy this account number from my XXXX credit report. I am requesting that XXXX or any of it affiliates should remove such negative statement from my credit report
In addition to this company leaving messages at my place of employment in which I have several voicemails saved.And after telling them by phone to not call my place of employment because I could lose my job, the vcalls are still being made with the last call from them being on today.The voicemails states that I will be served at my job on the same day the voicemails are left and to consider myself notified.My place pf employment tel. no. that I have asked them not to call is XXXX. And on top of that, I have no clue who these people are.
Capital One  Auto Finance provided a document as their method of verification how was this physical documentation provided to the credit reporting agencies  XXXX ,  XXXX   XXXX  and  XXXX . Please provide the method of verification, did you all under the FCRA law send this physical documentation with my signature to the credit bureaus, IF NOT, then the information under FCRA Section  623 of the Fair Credit Reporting Act governs the responsibilities of furnishers ( CAP1 AUTO FINANCE ) of information to consumer reporting agencies to report 100 % verifiabl e and 100 %. If this physical contract with my signature was not PROVIDED to  XXXX ,  XXXX , and  XXXX   XXXX  I attend to Pursue litigation under applicable laws for this violation. Send it  Via  CFPB portal the confirmation of this contract with my signature and how you sent it to  XXXX ,  XXXX , and  XXXX   XXXX .
I would like for the credit bureaus to remove all fraud alerts on my credit profile unless I call or send in any letters saying so. I am tired of being embarrass when I apply for new credit. It is ridiculous to always be denied and not instantl approved of credit because my fraud alerts. Please remove them now within 24 hours of receiving message. Also please remove any address, names, social securities. I also want to permanently opt out of any marketing advertising and please do n't sell any of my information to any creditors or any companies or you will face consequences in court against me. Remove any employer information that is on my credit report. Please send me a newly revised credit report from all 4 credit bureaus with updated information. I did n't give any consent for any inquiries on my credit report. Show me your verification process and how these inquiries were placed on my credit report? It 's so much XXXX that goes on with in credit and you guys try Remove them as well, all inquiries please XXXX XXXX, XXXX/XXXX, XXXX, XXXX  XXXX, XXXX. Please prove your verification process please send me information on how you verify information please. I need step by step. I have filed complaints online and certified mail to FTC, XXXX County Courthouse, BBB, an Affidavit that will be sent over to you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Equifax XXXX
WORLD FINANCE CORP is reporting to the XXXX national credit company 's on a debt that is either older than 7 years old or not mine.
I opened a Capital One 360 money market account, which had a bonus offer of $XXXX if you deposited $XXXX before XX/XX/2018. I satisfied those conditions, and was expecting to receive the bonus 60 days after the terms were met, per the terms of the bonus conditions. I never received the bonus, and upon calling them, they told me because I didn't leave the money there, I would not get the bonus. Nowhere in the terms does it state that I needed to leave the money there, no time frame on how long, etc. Simply that I must deposit $XXXX by XX/XX/2018.
I 've reached out to the credit bureaus to dispute an account listed as "  XXXX  '', and currently collecting under   XXXX   XXXX   XXXX  , that I am unfamiliar with and have disputed this account since it is not mine and have been unsuccessful. I have no knowledge of this particular account.