WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX  and Equifax credit bureaus have an outdated " hard '' credit inquiry listed on my credit reports that is over 2 years old. 

The inquiry is from XXXX XXXX XXXX on XX/XX/2016. 

Under the terms of the FCRA ( Fair Credit Reporting Act ), passed by Congress, a credit bureau must delete all credit inquiries that are over 2 years old. 
In addition, the credit bureau must send the consumer an updated credit report, via USPS first class mail, showing that the outdated inquiries have been removed. 

I have contacted these 2 credit bureaus to have them comply with the FCRA rules, but to no avail.
XXXX Credit card was closed XX/XX/XXXX and there was a delinquent remark on XX/XX/XXXX from both XXXX and XXXX.
This company bought this debt from the now defunct XXXX XXXX XXXX which attempted to charge me {$44000.00} for air lift for my so whom was severely injured in a rural area of Georgia in XXXX. I believed that XXXX XXXX XXXX XXXX covered this expense and XXXX XXXX XXXX stopped contacting me. Meanwhile, unknown to me, XXXX XXXX, continued to report me to collections and charge me interest.My son was covered under my medical policy at the time. This has ruined my credit.
To : Whom it May Concern at PNC Bank " '' I spoke with someone from your office ( XXXX or XXXX ) stating that my late payment would not go through until XXXX XXXX, 2016 and would not leave my account until XXXX XXXX, 2016. He told me that mine and my CO-signer, XXXX XXXX 's credit scores would not be affected from this delay since I was prompt in fixing the misunderstanding. His credit was above XXXX and now as you can see with his printout it is now at XXXX. I also spoke with XXXX in your office this morning regarding disputing this credit score change. Please let me know if you have any additional questions. Since the payments have been processed as of XXXX XXXX, 2016. I ask that his credit and mine not be affected by the misunderstanding. " '' Thanks, XXXX XXXX XXXX
a debt collector is calling my work place everyday constantly and is calling my parents home where I do not live and is in another state. The debtor collector has left numerous messages at my work place and has left my mother and father XXXX messages on their machine.
Broker misled me and lender with lack of supporting documents filed in a timely manner. 

Delays in approval process, closing disclosure, and final clear To close. 

I had to pay builder {$90.00} per day due to his delays. 

The entire process was handled poorly, bad communication, errors at closing table, etc ...
WENT TO EMERGENCY ROOM XXXX XXXX, XXXX HAD HEALTH INSURANCE COVERAGE FROM 2 SOURCES XXXX XXXX XXXX THRU EMPLOYER AND XXXX XXXX THRU STATE PHYSICIAN FAILED TO FILE A CLAIM FOR PAYMENT IN A TIMELY MANNER AS STIPULATED ON THE HEALTH INSURANCE CONTRACT AND FAILED TO FILE AN APPEAL FOR SUBMITTING CLAIM LATE. NOW IT IS IN COLLECTION IN THE AMOUNT OF XXXX AND HAS DRASTICALLY IMPACTED MY CREDIT SCORE
I have sent a cease letter, twice. They continue to call. I have also asked for validation of debt in writing ( over a month ago ). I have heard nothing. Just non stop calls at my work. Then it goes to my cell phone
Under the new law effective XXXX XXXX 2017 any public record data must include Name, Address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated information per the new law. The bankruptcy XXXX listed does not include this information and should be deleted
Certified Services, Inc. repeatedly calls my grandmother and the man who calls threatens her with physical violence and uses profanity. She will hang up only to have the man call right back and continue to attempt to make her pay my debts.
I was shocked once I viewed my XXXX XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due XXXX and XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Capital One will not allow me to link my accounts to a third party accounting service. Specifically, XXXX - XXXX XXXX & XXXX
Our mortgage is held by Nationstar Mortgage. We went into XXXX XXXX bankruptcy in XXXX XXXX. One of the conditions for our successful discharge in XXXX XXXX is that creditors must report to the bankruptcy court that we had fulfilled all our obligations in a timely manner. Nationstar reported that we had done so. 

However, now Nationstar is stating we are in default on mortgage. They have " suspended '' our payments because of {$170.00} in fees that are past due. We have had XXXX different conversations with XXXX different representatives, even though we ask to speak to the person we spoke to the previous discussion. We have now had XXXX different explanations as to the source of the fees and charges and NONE of them are ever the same. We also receive verbal assurance that the " fees '' are in error and that the customer service representative we were speaking to at that time had removed the " fees '' and corrected our loan status. However the phone calls and emails have continued, stating we are in default. 

We have not received a monthly statement in years so when our case was discharged all of a sudden we start getting default notices etc., for these fees that were never disclosed. 

It turns out that a number of these " fees '' were are supposedly connected with the bankruptcy filing. They have been sitting there for years. If these fees were part of or as a result of the bankruptcy, they should have been declared to the court. If they were after the filing, they should have been communicated to our lawyer and to the bankruptcy court as unfilled obligations before discharge. 
We have documented names, dates, call transaction numbers and other details. 

We have acquaintances ( names on request ) that also have Nationstar as their mortgage holder. They claim their accounts are mishandled in the very same way.
Hewitt Capital LLC Has been contacting other people after have they have been already in contact with me. Disclosing my personal information about my loan to other contacts. Repeatedly calling my ex boyfriend with phone calls and my step father.
My wife and I, have a XXXX credit line with Citi-Bank, secured against our home that we took 10 years ago. 
As part of the government loan modification program, we applied to the bank, three different times, to help us to modify our loan, so as that our " under-water '' home payments get reduced, stretched or otherwise modified so as to help us to pay them - going forward. 
The Bank took between XXXX months each time, switching us in between a dozen persons, duplicating their questions, repeating time and again - same information, while waiting weeks in between each time. 
THeir handling was such, where each stage did the same again and when they finally were done - they submitted it to their underwriting section, which redid same again. 
In fact - where their left hand did n't know what their right hand was doing. SInce Citibank is known to be a large powerful and well served bank - the only conclusion is that they tried to delay and push the applicant - until they gave up. 
Well, we did n't give up and after persevering their attrition war on us - they denied us, using very vague, limited information, language. 
Each time I called and communicated, I was refused any further information. 
I insisted that they are operating under government programs and as such, I am entitled for their written breakdown of the reason for their denial - but they refused to cooperate. 
SInce all of this took time - i was forced to start the process again and again - thus it taking two years and more - without any positive outlook. 
Now, that my wife is not going to work next year, they refuse to work out our numbers under such - until it happens, even though she was terminated, so that we 'll have to start it all over again - taking another XXXX months and again - yielding no better results. 
This is not right and we want to ask the CFPB to interfere and ensure that the bank does ALL that it is supposed to do. Thank you XXXX and XXXX XXXX XXXX XXXX account XXXX
I have asked Citibank to investigate an invalid charge on my account for months. They have failed to investigate this incorrect charge and need to refund my account. Posting Date of XXXX/XXXX/16 XXXX Reference Number XXXX.
A debt collector is trying to collect that bill again. Pay for XXXX years and 25 % out of my salary ( Garnishment ) almost XXXX, for a debt of less than XXXX. I call and spend hours and be transferred to other people and departments. Nobody can explain why? I think is a fraud and I need help to clear the matter.
I 've disputed 5 times already with TransUnion and 5 times I have received nothing but a piece of paper telling me that these types of accounts stay on for 7-10 years. I have proven each time that this information is not correct and I do n't understand how they can keep this inaccurate information on here. I have not hired a lawyer and have also gotten the attorney general of CA involved. I have the actual petition in front of me why states the accurate information which does NOT reflect the information on my credit report. 

This is my dispute from my letter and you will also find the public records page from my credit report and my letter attached : Us bankruptcy XXXX The date " XX/XX/2009 '' has the wrong date and is NOT right The docket # XXXX is not correct US BANKRUPTCY COURT is not listed completely : you MUST list the city and the state for this to be accurate which means that you do n't even know where this is out of! 
There 's no liability amount listed You have no liability amount You have no plaintiff listed
Spoke with Hunter Warfield company on XX/XX/XXXX. Who is a debt collector for apartments. I was told today that the original amount ( {$2500.00} ) accrued interest and a higher amount ( {$3700.00} ) is being collected due to federal and state debt collection laws. I spoke with my attorney and they advised no interest can be accrued on accounts that are not loans or from a financial institution. Which in my case this I'd definitely not a loan of any sorts. The Georgia State law does not state anything like that. This debt is 5 years old and has not changed in amounts until XX/XX/XXXX. 
The company is lying and I refuse to pay an amount higher than what is owed.
On XX/XX/XXXX I contacted them re my property taxes for XXXX which had not been paid and were delinquent. I was told to send them a copy of the bill which I emailed to them that day. I was told the taxes would be paid on XX/XX/XXXX. As of this date XX/XX/XXXX they have still not been paid. I have called them numerous times, the last time on Friday, XX/XX/XXXX, and was told they would overnight the payment. A check this morning with the XXXX XXXX tax office shows that payment has not been received. The amount for the taxes is in my escrow account and has been since XX/XX/XXXX when I closed on the property. 
I was on hold the last time for an hour and was assured that the taxes would be paid promptly. I am told the same thing every time I call, but no payment has been made.
We paid off our XXXX mortgage ( loan # XXXX ) XX/XX/XXXX. We received a letter from XXXX dated XX/XX/XXXX stating that the mortgage was paid in full and the lien release would be processed. We didn't know that it never was released until the lien showed up on a title search a few weeks ago as we're selling our house.

We wasted weeks talking to Bank of America ( XXXX ) talking to various people ( XXXX on XX/XX/XXXX, XXXX onXX/XX/XXXX and XXXX on XX/XX/XXXX and someone whose name I don't know on XX/XX/XXXX ) because the lien in the public record shows Bank of America as the mortgage holder. On XX/XX/XXXX, the closing attorney faxed to BOA the lien release request and title search, as requested by BOA. Bank of America passed the mortgage for servicing in XX/XX/XXXX to XXXX, who later became XXXX. Bank of America told us they had everything they needed to release the lien and then ditched us and told us we had to deal with XXXX. They wouldn't even call XXXX on our behalf to find out what needs to be done. They say it's not their problem even though their name ( not XXXX ) is in the public record as still hold the mortgage. They say that's because XXXX didn't ever do what they were supposed to do.

Despite many phone calls ( XXXX ) to XXXX starting XX/XX/XXXX, the lien has still not been released. We were told on XX/XX/XXXX when I spoke to someone named XXXX ( you never get their full name and you get someone different every time ) that a lien release was requested and it would take 5 days. On XX/XX/XXXX I called XXXX and was told 20 - 30 days. The customer service is poor and you can never be transferred to a supervisor ( they're always in a meeting ). When emailing XXXX, we get no response whatsoever. I have emailed them 6 times with no response at all. I found the CEO of XXXX XXXX XXXX and have emailed him 4 times ( XXXX ) - no response. We have filed a similar complaint against XXXX.

We may lose the buyers for our house and lose out on a contract on the house we're trying to buy. All we want is to have a clear title and close on our house.
XXXX*****THIS IS NOT A DUPLICATE***********THIS IS NOT A DUPLICATE********** I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission. These are the accounts that are unauthorized inquiries : 1.  XXXX XXXX XX/XX/XXXX2.XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX5. XXXX XXXX XXXX  XXXX XX/XX/XXXX 6. XXXX XXXXXX/XX/XXXX 7. XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10XXXX XXXX XX/XX/XXXX 11.  XXXXXX/XX/XXXX 12. XXXXXX/XX/XXXX 13.XXXX XXXX XXXX XXXX XX/XX/XXXX.
I called The Medical Business Bureau Since its affecting my  credit score with a  collection i do not owe ... i asked them to review the information on file and compare it to my social security number and they said it didnt match ... i asked them to have it removed immediately and so far nothing has been done ...
I specifically asked Experian to provide me the original documentation for the items I disputed on my credit report # XXXX and # XXXX, if they determined that any of the items were accurate, both dated XXXX. I informed Experian that section 609 of the Fair Credit Reporting Act states that the creditors must provide the credit bureaus the original documentation that was signed upon opening the account, or they are engaging in fraud. 

In this re-investigation, Experian informed me that the information I disputed was verified as accurate, but they failed to comply with section 609 of the FCRA, and therefore the items I disputed are now unverifiable, and must be deleted, but at this time, Experian is non-compliant.
I took out the loan in XX/XX/XXXX and my 2nd installment payment was not honored by my bank. When XXXX called me about the missed payment, I told them that I could not pay it in lump sum and the representative said that I could pay XXXX until the that installment was paid. I setup a payment for that day XX/XX/XXXX and then paid XXXX 9 times and the last payment of XXXX came out on XX/XX/XXXX. The original installment agreement also continued to extract from my account on the dates originally arranged. When I made my final payment XX/XX/XXXX. I was contacted immediately after stating that I had XXXX something balance. When I called and asked why, the representative mentioned that I had accrued interest that was not paid for from the missed payment. The representative said that when I setup the XXXX payments it was explained to me. I told the representative that it was not and she put a manager on the phone and he said he would review the call and get back to me. Nothing happened, except more collection calls. When I talked to the company again the same thing happened. I explained to the representative how the interest was not explained to me and that representative put a manager on the phone and proceeded to tell me again that they would review the call and get back to me. The next call I answered after that was from a collection agency. I talked to them a few weeks ago and they told me about the debt. I explained to them also the situation and they mentioned that they would XXXX know. I am trying to apply for a mortgage and my financial counselor noticed this on my credit and with me telling her what happened, we decided to file the complaint.
i am a victim of ID THEFT and an account from XXXX appeared on my credit almost two years ago, however it was removed. 

my complaint is that almost two years later while i am in the process of purchasing a home, Portfolio Recovery Associates have placed the fraudulent entry on my credit. Not once was ever ever contacted by them by way of phone or mail.
Hello, I was a VICTIM of TransUnion 's inquiry issue. Talked to the representative of TransUnion and they could not help me with these issues. 
Here are the list of the inquiry issue on my credit report : Business Name, Inquiry Date, Business Type XXXX/XXXX XX/XX/XXXX Credit card and travel / entertainment companies XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX  XX/XX/XXXXMiscellaneous and public record XXXX XXXX XX/XX/XXXX Finance other than personal Please delete these inquiry issues with TransUnion. 

Thank You
Dear XXXX. XXXX. TRANSUNION I recently reviewed my credit report and found unauthorized inquiries and late payment. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete Thanking you in advance. 

I demand the following inquiries removed immediately. 

XXXX. NEVER HAD A LATE PAYMENT. AND ALSO I SEE FEW INQUIRES WHICH IS NEVER AUTHORIZED TO ANYONE. HERE 'S THE INFO. 

Inquirer Name & Inquiry Dates XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX also never lived this address. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX My correct address : XXXX XXXX XXXX, XXXX, MN XXXX I demand the following other addresses much be removed immediately. 

Thank you
a collection agency keeps calling and telling me that I got a loan that I never got they keep calling me from the numbers XXXX and XXXX
Alliance one found my sister in law XXXX and called her yesterday harassing her for my information regarding collecting a debt. I have no idea how they got her cell phone but my brother called me visibly upset to hear about my personalBusiness. I am ashamed they Let my family know whose business this does not concern. My privacy has been violated
Ditech Mortgage is calling my work number and my cell phone number at least XXXX times a day, and hanging up ( my current payment is within the 15 day grace period allowed ).
I had a XXXX account in XX/XX/XXXX. It was first reported delinquent in XX/XX/XXXX. The account was paid and should have been removed from my credit bureau in XX/XX/XXXX. ( 7 years after it was first reported delinquent. ) It is STILL showing up on my credit bureau in XX/XX/XXXX ... 13 years later. This needs to be removed from all XXXX credit bureaus ... XXXX, Experian and XXXX.
About a year ago, I received a couple of emails from VW offering me to turn in my leased vehicle and lease or purchase another vehicle. The lease on my old vehicle matured on XX/XX/XXXX. I visited XXXX XXXX in XXXX, VA and agreed to a new vehicle. When negotiating the price, I explicitly told the dealer I wanted all charges rolled into the bottom line. I left the dealer with a new car and at the time, no further charges owed. I did not sign or receive any documentation countering my belief. I turned the vehicle into the dealership on XX/XX/XXXX. 
In XX/XX/XXXX, I received a turn-in settlement invoice from VW Credit with a request for a {$1400.00} payment. I contacted VW Credit on XX/XX/XXXX to inquire about the charges and I was basically told " those are the charges, can't help you ''. On XX/XX/XXXX, I received an updated bill for {$2200.00} with no explanation. On XX/XX/XXXX, I, again, contacted VW Credit and was told that the charges needed to be recalculated because they were totaled incorrectly. I was also told that I would receive a return call explaining said charges. I never received that call. Two months later, I called again. Bottom line, I asked for a detailed billing statement for all charges as I had not received one. I was also told that my vehicle was sold at auction for a loss and that total was factored in obtaining the payment total. That total was compared with excess mileage and excess wear. The excess mileage charge was included in the turn in payment and I disputed the damages as I turned in the vehicle in excellent driving condition. The VW Credit agent told me it took 7 days after I relinquished my vehicle to the dealer for someone to inspect it and come up with a bottom line. About a week after this call, I finally received a detailed billing statement. And to my surprise, a different total - {$1600.00}. 
Just to pile on even more, VW Credit referred this bill to a debt collector. 
When I talked to the debt collector, XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX, I told them that this account was in dispute and not call me anymore until resolved. The agent told me that I needed to pay off the debt for whatever amount even after I told him about the dispute. He could not give me a total amount even after I laid out the situation. He said pay the amount that was the most and worry about a resolved total later. He continued to press the issue of payment and I told him I would not pay it until resolved. I asked him and the company not to call until resolved and he tried one more time to get me to pay.
I 'm in dispute with Capital One Auto Finance with my XXXX 2015 payment as being reported 30 days late to the credit reporting agencies. My car payments are due on the XXXX of every month. However, my XXXX payment is being reported as being received by Captal One on the XXXX of XXXX and they reported it as being over 30 days late. They 're telling me they have reviewed the details of my account and have determined that the subject information is being reported accurately. I agree my payment was 26 days late but does that contitute it being reported as 30 days past due?