WillisBack/dataset-financial-user-claim huggingface dataset:
My complaint is quite simple, by law a collection agency must submit correspondence to let a consumer know that a debt they either acquired by ownership, or simply by proxy on a vast power of attorney process is no longer collectible. The attached letter from XXXX XXXX XXXX stipulate just that, and they have started to process of removing the XXXX collection from my credit report. A second company called XXXX XXXX XXXX XXXX stipulates that they purchased the debt from XXXX NA at the same time. They like XXXX can not enforce a debt that is considered non-collectible. So, if the debt is simply too old to collect, and the fact that XXXX can not collect, they sent the collection to a new collection agency called Stoneleigh Recovery Associates. This is the third collection agency that simply has no recourse to collect on an antiquated debt. XXXX XXXX XXXX XXXX shows no proof of ownership or collection proxy, then why is the very same account remaining on my credit report from any collection agency. This is an example where a collection agency is using my personal credit rating as XXXX to collect on an old account that has already been removed from my credit reports by the original creditor, XXXX XXXX. These collection processes are highly scrutinized by the Federal Trade Commission and the Consumer Financial Protection Bureau. It is a re-aging process on debts that have long outlived their usefulness to be maintained on credit. These collection processes are the main reason why even the FTC considers the national collection process broken. I know that the CFPB and its Director XXXX XXXX are before Congress currently on the usefulness of the CFPB, and I make the claim that it is the best recourse that an American consumer must fight the corruption that exist in the debt collection process by thousands of collection agencies that could care less about my constitutional and civil rights. This account as well as my personal information need to be purged and erased from credit immediately and permanently.
Transunion continues to report the following inaccurate item to my credit report. 

XXXX XXXX It should be deleted because it reports a bankruptcy not on my file ...
I used a 0 % APR balance transfer offer a while ago and then later made a purchase, forgetting that the 0 % APR was just for balance transfers. My minimum payment was more than enough to pay down the purchase over a couple of months, so I assumed it would be paid off shortly. However, the minimum payment was only being applied to the lowest interest balance, not to the highest interest balance as I assumed. I talked with a customer service representative online, and they only apply amounts in excess of the minimum to the highest interest balance.
I closed my Equifax account XXXX/XXXX/XXXX after paying on XXXX/XXXX/XXXX for a remaining 28 days of service. Account was to be inactive on XXXX/XXXX/XXXX as a result of that final payment. 
Equifax charged my account again on XXXX/XXXX/XXXX for {$19.00} without my permission. Upon calling they say they will conduct an investigation. 
I am disputing the charge with my bank and felt compelled to close my bank account to avoid further charges from this company where I have lost all trust. I do believe this is a designed fraud practice. No doubt, you have heard this complaint before from Equifax.
On my Citi card account I made two payments over the phone with customer service. I was told the payment did n't go thru. I made online payments with no problems, they always went thru. I made an online payment to bring the account current. Without contacting me about the account being closed, they just sent me a letter announcing the account was closed because of those two over the phone payments which they said they presented 3 times each. My bank said they have no record of those two over the phone payments ever being presented for payment, not even once, let alone 3 times each. For the last two months I have been trying to straighten this out. I have been told my complaint would be reviewed and someone would call me. No one has called me other than their phone customer service people wanting me to make a payment over the phone. I have informed them that when the account is reopened or a new card of the same type with the same benefits with the old balance transferred to the new card, and everything is restored to where it was, the way it was, then I would resume making payments. Until then I will make payments into a separate saving account so when they have corrected this mistake, I will forward all those payments and bring the card current. I did everything the way I was supposed to. I did nothing wrong and yet I am being punished and seriously inconvenienced. Since my bank has no record of the payments in question having ever been presented, it would seem my bank did n't do anything wrong either. And yes, I do want this published on consumerfinance.gov. Thank you in advance for your help in resolving this matter. Oh, and there better not be any credit report repercussions either, since I did what I was supposed to do.
When I came to this country my friend co-signed on a private student loan through  XXXX  in which I make on time automatic payments each month for. He fell on hard times and filed bankruptcy. Transunion is reporting on my credit that the account was included in bankruptcy which is not correct for my status and is completely ruining my credit and inhibiting me from using it. In the attached document it is very apparent that   XXXX   and  XXXX  are reporting correctly and Transunion is not and the score on Transunion is  XXXX  points lower. If I had filed bankruptcy do you really think my scores would be in the high  XXXX  's. I have perfect credit and expect this to be addressed and corrected immediately.
I disputed information that was on my Equifax credit report by XXXX and it was deleted by Equifax. But it was inserted back on my credit report on XX/XX/2017. I have requested documents from XXXX and Equifax to show proof of this alleged account. Neither can provide proof. I sent a validation letter to the company and I have sent 2 letters to Equifax for proof. I have just sent a 3rd letter to Equifax on XX/XX/2017. I have an extended fraud alert on my account. I never received any information from Equifax before this item was placed back on my account either. Unverified accounts should not be allowed on my credit report as this is a violation of my rights.
XXXX who is not doing anything they are sued for taking people home fulse foreclosure everything they do is only a road to take people home. 

I get hundreds adds every month lazy unsuccessful real state agents cricket attorneys who want to pay cash for my home its stressfull I hate checking mail my XXXX XXXX is constantly high
Back in XXXX I disputed a debt from XXXX XXXX on the account XXXX. Once verification was received I requested the account taken out of dispute. I have sent multiple letters and have made multiple phone calls to remove the dispute and dispute verbiage form my credit report. Each time I am assured the dispute is removed only have it placed back on my credit within two weeks. Each time I call XXXX funding I am told the dispute was added due to the credit bureau. So therefore a few weeks ago I had XXXX of the credit bureau 's call XXXX way with me on the phone on a recorded line that XXXX should be able to provide. They verified to the credit bureau the account was not in dispute. Yesterday the dispute verbiage showed up again and again XXXX told me it was the credit bureau and specifically referenced Equifax. I called and spoke to XXXX at Equifax who confirmed it was not her company that requested it. She then saw all my contacts and suggested I file a formal complain through the FTC. I have been told this is a way to hold my credit hostage to try to get me to pay the debt because the company knows that due to new FHA guidelines a dispute will hold up a closing of a home. This should be an illegal practice. Per Equifax they have once again removed the dispute and I have once again put it in writing for XXXX XXXX that this account is NOT disputed. We went through a tragic circumstance with my son who is now on XXXX and this continued stress inflicted by this company should be dealt with. Thank you very much!
Transunion is the only credit bureau that is reporting this old account that Im not even responsible for. That has been confirmed with XXXX XXXXXXXX XXXX The account is just sitting on my transunion account and it hasnt reported since 2016. I called transunion but theyre are just not complying with me. So I would love the help from consumer finance protection bureau.
My vehicle was stolen XX/XX/18. XXXX paid off their responsible portion, and GAP paid off the remaining. Nissan then stated the remaining deficiency is due 30 days from the  date GAP paid their portion. The remaining balance is XXXX {$3800.00} yet they refuse to set up any type of arrangements with me to help. The contract does NOT state the balance would be due in 30 days if this occurred it states I would be responsible for the remaining balance which I completely understand, however I had to purchase another vehicle and do not have ~ {$3800.00} laying around to pay. I tried to pay with a credit card and that was also refused therefore I have no options left and they say there are no arrangements that can be made. This is unfair to the consumer and the contract does NOT state this is the requirement.
By law Transunion only has 30 days not 60. In response to the file number with CFPB XXXX. Transunion stated they will respond in 60 days and that is not the timeframe that is stated by law 30 days is the law. 15 more days if another dispute is given.
I would like to opt out of all XXXX XXXX, Experian, XXXX pre approved credit card promos and insurance promos. My credit file has out date information listed that needs to be removed. My current address is XXXX XXXX XXXX, XXXX, OH XXXX I do not live at XXXX XXXX XXXX, XXXX, OH XXXX,XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX- I have found out that my name and credit file has been confused with perhaps another XXXX XXXX with is not my name my name is spelled XXXX XXXX XXXX . I HAVE NUMBER ON MY FILE I DO NOT RECOGNIZE. PLEASE DELETE AND REMOVE THE FOLLOWING NUMBERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I successfully disputed inaccurate derogatory information reported on my credit report by Transunion. The account was reported by Transunion as deleted deleted on XXXX/XXXX/XXXX. The report was electronic and I have retained a screenshot of the report of deletion. 

At a later date, the disputed account was reinserted by Transunion, with an altered closed date of XXXX/XXXX/XXXX, after six years of inactivity and with no change in status. The original reported closed date was XXXX/XXXX/XXXX, six years earlier. 

I called Transunion to dispute the reinserted account on XXXX/XXXX/XXXX, the date of discovery. I had been regularly checking my credit report and the reinserted information did not appear until this past month apparently, at an unknown date. 

I spoke with XXXX representatives of Transunion who indicated ( 1 ) no letter notifying me of reinsertion was sent to me and ( 2 ) Transunion has a policy of not notifying persons of reinsertions of accounts. The Fair Credit Reporting Act requires a credit reporting to notify a person of a reinsertion of a previously deleted account within five ( 5 ) days of the rejnsertion. In this case at least five ( 5 ) days have passed, and no notice has been sent or received. 

Transunion has indicated that they will not delete the reinserted information if the creditor claims it is accurate, even if the information contained in the report is inconsistent with the previous report of the account. Transunion has additionally stated they have and will continue to violate the FCRA. I wish to have the reinserted account deleted, and to receive a letter admitting wrongdoing and confirming that the account will not be reinserted in the future.
This debt does not belong to me. I 've disputed it several times. Every time, it drops off of my credit report and then reappears two months later, taking my credit score down XXXX points. The debt seems to be sold to different collections companies over and over again.
On XXXX/XXXX/XXXX, I received a mail letter from XXXX XXXX, notifying me that I had a late payment on my credit card account. I immediately made full payment which was owed on the same day. Then I applied for a home loan equity during XXXX XXXX, and was informed by my loan specialist that a late payment was posted on my credit report for XXXX. I immediately tried to dispute with XXXX XXXX, considering that the late payment happened in XXXX and I was not notified until XXXX, the same time with when they reported to the Credit Bureau. I also had auto payment set up on that account and it did not work. Even now, I had to manually make payment every month because the auto pay function is still not working. I tried to contact XXXX XXXX XXXX member service twice and they only sent me a general response and kept asking me to give them more information, which I already did. I already made request twice to them that the false report has to be removed from my credit report. They did not want to acknowledge the fact that the had failed to give me proper notice within 30 days when the incident happened. I was not allowed the proper time to act on it. 
This false late payment report has hindered me from closing on my equity loan, which resulting in thousands of interest I had to incur during this time.
Trying to collect debt from 2006 on an expired bank account in another city. This account originally had been closed by ME, and the bank failed to issue me the last remaining few cents in the account. An automatic payment came through the bank ( that I had cancelled but still tried to come through ), and they PUT IT THROUGH, though the account was closed! It was a small amount, maybe {$25.00}. 
After that, this XXXX Bank started charging enormous interest on the bounced fee ( 6 % daily compounded if I recall! ) and amount that went through. It kept going until it reached the sum of : {$250.00}, when they notified me that the account had not been closed properly and they were still charging daily interest. What took so long? No wonder they went out of business. N one trusted them! I have never known a bank in my life that added such large interest to a bounced check, especially considering the account had been closed out!! It was clearly a money making racket! I had absolutely no way of paying this fee back at the time, and felt it was perverse based on the way it was compiled. I tried to explain to the bank, but they were unreasonable and would not listen. They could only see $ $ signs. I suppose after you do this to enough people, you could be looking at quite a bit of money! 
I see no reason for letters to be sent to me now, after 9 years, and phone calls to be made, from a place called First National Collection Bureau , Inc, listing RJM as the creditor, with the original account at Compass, threatening me for legal action and the ruining of my credit based on a fraudulent amount of money that I owe. I do not have my bank records that far back, as they were left in my parent 's garage and after my father passed, everything had to be taken out to sell the house. It SHOULD be on this bank to prove the burden of debt. I was told by the agent that they can not do that because the original creditor has the records, and they bought the bank. Really? If they bought the bank, then they should have the records! They are charging over {$200.00} of interest, at the least. NO mention of compounded daily interest was mentioned for bounced checks when I signed up to that bank initially, none!! 
I was told by this debt collector that called that debts can be collected up to 15 and 20 years if it is valid. That is NOT what I have read. I have read that after 7 years that are dropped. And even if this is incorrect, it is illegal for a collection agency to buy an old debt to try to collect for themselves, and to lie and say they bought the bank ( it went out of business ). This agent argued with me over this. Sorry, I know my rights!
I file a written and verbal dispute with both Transunion and  XXXX  several times throughout a year to investigate, update or remove from credit report regarding inaccurate  " Tax Lien '' rep orted on my credit report.     Both credit agency Transunion and   XXXX   has stated they have completed an investigation and reported the  GA State Tax Lien is r eported " Released Lien. '' As stated I submitted a letter of dispute based on inaccurate information on the both reports.     The dates the report was filed on :  XXXX   XXXX ,    2017  to  XXXX  file #  XXXX  - GA Departme nt of Revenue Tax Lien File  : #  XXXX  {$980.00} and #  XXXX  {$1700.00}  XXXX   XXXX ,  2017  to Transunion file #  XXXX  - GA Departmen t of Revenue Tax Lien File : #   XXXX  {$980.00}
In Late XX/XX/2018 I contacted XXXX, Equifax and XXXX and informed them that the Chapter XXXX & and Chapter XXXX listed on my credit report needed to be removed in accordance with FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) which states, information which can not be verified is required to be promptly deleted. I also included a letter from the United States Bankruptcy Court Eastern District of Wisconsin Office of the Clerk Office. The letter was submitted to support my case that the Bankruptcies should be removed and to show that the Bankruptcy Court does not report directly to any third party agencies.

All three credit agencies responded to my dispute and stated that the information listed on my report had been verified by the furnisher ( XXXX ) and that the information would remain on my credit report. I contacted the credit agencies again and filed a second dispute. I also informed them that I applied and completed a security freeze with the agency ( XXXX ) they claimed verified the Bankruptcies. 

Again, I was told by all three credit agencies that the information was verified by XXXX and was accurate. I contacted XXXX by phone and email and was told that they never verified the information with XXXX, XXXX or Equifax. XXXX also stated that they could not verify any public records because of the security freeze I applied for in XX/XX/2018. 

I then filed a dispute directly with XXXX who claimed to get the information directly from the Bankruptcy Court. In response to my direct dispute with XXXX they sent me a letter which stated that they can not verify any public records after a security freeze is in place. 

I filed a third and a fourth dispute with all three credit agencies. I included a copy of the letter from the United States Bankruptcy Court and I included the letter from XXXX. 

Again, I was told that the information was verified even though, I submitted a letter from the agency they stated verified the information stating it is not possible to verify the Chapter XXXX and the Chapter XXXX listed on my credit report. 

In accordance with FCRA Section 609 ( a ) ( 1 ) ( A ) information that can not be verified must be promptly removed. I have shown and proved that the Chapter XXXX and the Chapter XXXX listed on my credit report can not be verified ; Therefore, the Chapter XXXX and the Chapter XXXX should be removed.
After the Equifax leak, people are forced to pay {$10.00} per credit reporting agency to freeze their credit. So, in essence, Equifax is making revenue off of their own mistake. Just appalling.
I received several calls from XXXX. He will not tell me what company they are with, only that I allegedly owe money to a XXXX. I paid all my loan and then some to XXXX and I do n't know who these people are that are trying to collect money from me. They called me at work and even after I told him I was at work and they were not allowed to call me the agent said they would continue to call me. I called him back and he kept hanging up on me until finally he transferred me to a supervisor. This is harassment plain and simple and I want to file charges on these people.
I had a XXXX-year contract with XXXX XXXX XXXX a provider of home security systems. The monthly payments were collected automatically via a credit card. However, the credit card on file was replaced by the financial institute and payments could not be collected. I did not receive any notification from XXXX XXXX about this. They were in contact with my son ( I was working XXXX ) and made no mention of any issues or that I needed to contact them. I did not receive any email, phone call or USPS letter from them about this issue. Further, I called them in XXXX to confirm the contract had expired and talked to a representative. No mention of any debt was made to me. Today, I received a notice from a debt collection agency that XXXX XXXX referred my outstanding balance to them. This letter was the very first notification I received that there was an issue. When I called XXXX XXXX about it, they insisted they called me and sent me an email and USPS letter. And, yet, I never received any of those notices. I have to wonder how it is possible I never received any of the XXXX notices. And, that is assuming they attempted to contact me only once. This action on their part failed to provide me with the ability to make payment and resolve the issue or to dispute any debt. The proof that I was willing to make payment is the fact that I contacted the debt collection agency ( Hillcrest Davidson, XXXX, account number XXXX ) and made full payment. The actions of XXXX XXXX could have damaged my credit report at a time I am working to refinance my mortgage and violated my rights under the law.
I have contacted XXXX, Equifax, and XXXX several times via phone and certified mail in regards to five accounts that were placed in my name that I am not familiar with or did not authorize. I get the same results when attempting to come to a resolution with them. It is negatively reporting on my account and keeping me from being able to obtain credit and ruins my credit profile due to inaccuracies. The companies need to send proof of validation or it should be removed immediately. I have reached out to the FTC regarding the issue and I have reached back out to the credit bureaus and still no luck. The last rep I talked to was XXXX and he stated he had sent the information in for special handling and I still have not had any luck. The following accounts that are reporting are XXXX XXXX XXXX for {$370.00} the other for {$930.00}, XXXX XXXX XXXX for {$0.00} and XXXX XXXX for with no balance. There are also two other accounts for {$630.00} and {$840.00}. All of these accounts listed are listed as derogatory and should be removed.
My personal information was compromised/leaked by Equifax without my consent, putting my financial wellbeing at grave risk. Furthermore, my knowledge of the incident was intentionally delayed by Equifax, putting my financial wellbeing at further risk. I was not aware of the issue until XXXX XXXX XXXX even though the incident took place months prior. I have now placed an initial fraud alert on myself with XXXX, and I will have to manage and monitor this leaked data for the rest of my life, at my own expense and spending my own time and money.
Conserve sold this old utility bill to XXXX in XXXX, yet they keep calling me XXXX 4 times a day threatening to put it on my credit report. They already are on my credit report. The problem is that they need to remove themselves since they sold the account. I am not going to pay them and still have XXXX on my credit report.