WillisBack/dataset-financial-user-claim huggingface dataset:
There is a collection with Transunion XXXX XXXX that was previously disputed and removed from the credit report over a year and a half ago. It was later added back to my credit report only on Transunion not the other credit bureaus with no notice to me. 

The legal restrictions against the reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ), and apply only to those situations where the information was previously deleted based on a finding in a dispute that the information was inaccurate, incomplete, or could not be verified.

If that situation applies, then the party requesting reinsertion must provide a " certification of accuracy '' to the CRA, certifying that the information is, in fact, " complete and accurate. '' The CRA rules on the adequacy of such certifications. If the CRA accepts the certification, they can immediately reinsert the information. However, they must, within 5 business days of their reinsertion, send you written notice to that effect, and notice that you have the right to place a statement in your credit file disputing the accuracy and completeness of the information.

Bottom line is that if the information was deleted as a result of a prior dispute, and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide a notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( 5 ) ( B ).
I am late on my payment but continue to pay as I can. I have requested many times not to call me on this phone as I use it for work. They call every hour every day except Sunday and it interfers with my work. I have requested they they email me or correspond by mail. They only send form letters. I pay what I can, and can not seem to catch up due to a tax situation I am in .... I will lose my job if this phone abuse continues. I have requested verbally many times to stop the calls..
Wrote letters to both the collection agency and all 3 credit bureaus abs no one has sent me the information I have requested all they continue to say is the account has been verified but has not giving the proof of the verification
The mortgage loan against my primary residence was purchased by PNC mortgage in XX/XX/XXXX. Payments are consistently made and applied against the outstanding balance within the grace period defined by PNC mortgage. However, on and after the XXXX of each month, if the payment has not been credited against the account, automated phone calls begin. These phone calls occur up to XXXX times per day and continue until the payment is credited. When I answer the calls, there is sometimes an automated message and other times nothing and no human on the other end. The recording says, please wait for a customer service representative and then the call disconnects. I also have received calls after my payment has been processed. When this occurs, I contact PNC mortgage and I am informed that a call should not have been made and they do not know why I was being contacted. Furthermore, in addition to the multiple automated phone calls, the payment collection process performed by PNC mortgage is abusive, unfair, and deceptive, due to the continuous phone calls without information or the inability to connect to a representative at PNC. During the month of XX/XX/XXXX, I forgot to transfer funds to cover the bills and my mortgage check was returned. Upon my identification of the returned payment, I logged online and paid the mortgage charge, a {$7.00} fee to make an online payment, and a late fee. 3 days after making the payment I received a certified mail package for early intervention and possible home ownership counseling opportunities. I was not even 30 days late and never received a notice other than, if I do not contact PNC within 30 days from the date of the notice I could face foreclosure. The notice required under RESPA and WA State law allows the lender up to 45 days to provide the notice for early intervention. The context of PNC Mortgage 's notice is not to bring attention but rather, to scare average consumers with the possibility of losing their home. I am current on my mortgage and have never been 30 days or more past due. I did not select PNC mortgage to originate my loan and feel as though I am required, with no other option, to pay for a loan refinance with another lender to avoid PNC 's abusive and threatening tactics. It is clear that PNC is unable to effectively manage their systems and controls to mitigate risk and harm to their customers, many of whom must deal with this poorly operated company without a choice.
My XXXX XXXX credit card is missing completly from my Experian credit report. It is an ACTIVE credit card, and its appearing on all my other credit reports with XXXX  and Transunion. 

By removing my XXXX XXXX card from my credit report, Experian is reporting my total credit usage at over 80 % and that makes my score is being reported 50 points lower, because of this. My score is HIGH, above 700 on two other agencies, who still report my XXXX XXXX credit card, it was High with Experian too before XXXX XXXX disapeared. 

I am a paying member of Experian credit service product. There is no way for me to dispute the information as wrong on Experian web site. This is because the credit card does not appear in the credit profile at all. There is NO funcutioal way to select " other '' if it is not appearing on my credit report. How do you dispute something that is not there? 

Why is it removed all together? I checked my credit report via my Experian product for closed cards too. it is not appearing in that area too. Attaching screen shots of the card being present XX/XX/XXXX and streen shot of today shows NO XXXX  XXXX card. 

In reporting this complaint, I am selecting the check box to give permission for Consumer Finance Prtection bureau to publish my report for consumers to read. This makes NO sence how a credit card can just disapere? And, that my creditt score drops to 50 points because of the error, it prevents me from getting Credit products I want to apply for. Unless the credit provider excludes Experian and uses only XXXX or XXXX. XXXX and XXXX, XXXX XXXX them, they are still report my XXXX XXXX Card on my credit file, and report my Fico as HIGH fico. 

Please experian - resort my XXXX XXXX card to reporting, and Rapid frefresh my  score. 

Also - there is a fraud allert on the Experian report. Remove it, as I have a credit protection account with Experian i can monitor my own credit. I see no evidence of unauthorised credit pulls.
Santander Bank has called over 30 times, even after I called them. The number calling me is XXXX..My phone is XXXX,,
On XX/XX/2017 I have received two notices from Trans-Continental Credit & Collection Corp. regarding a XXXX Hospital 's bill which totally disagree with because XXXX who represents the Registration Department of the XXXX XXXX XXXX XXXX   took care of the medical bill through the financial assistance that is one of the program of the XXXX Hospital.
They call and let it ring twice and hangup. I returned the call and a woman answered and said they will make note that I wanted them to stop. She then said that I was not in their computer system. 

This Company has called and hungup on me over 10 times already
On XX/XX/2018. I wired money XXXX to a bank in XXXX.XXXX XXXX XXXX XXXX. For a house I was purchasing. Come to find out the realtor email was hacked. Causing me to wire money to bank in XXXX. I called Chase bank to report it was a scam. They gave me a investigation case # XXXX. Told me they have to contact the bank in XXXX to get my money back. No good results yet. I have followed up many times. Still no action taken. I want to reclaim my XXXX that was stolen from me. Thanks XXXX
I 've recently put a stop on a business check, and just to double check it 's in effect I called the bank to confirm and the representative told me not to worry, the check is stopped and funds will not be disbursed. XXXX days later, while checking recent transactions I saw that check amount being disbursed! I called and submitted a claim to the bank and was told I 'd hear back in a few days. A week goes by no one contacted me back, so I had to call the main hotline and spending over an hour on the line explaining my situation to numerous reps because I had been transferred so many times. Finally I was told it was an ACH wire transfer, and that the check was actually stopped. I was even more shocked and furious because I did not sign any wire transfer papers and this is 100 % fraud! I was told again to wait to hear back. Another week later, this is now 3 weeks nearly a month from the date that I called to stop the check, I still have n't heard back so I called again. After being transferred around again, I was told actually it was NOT an ACH wire transfer but that the check was cleared. My complaint is, why did n't anyone tell me that the check I put a stop to was cleared, and secondly, why is the bank telling me different answers? Is it an ACH fraud or is it a check that was cleared even though I stopped it? And if I stopped it, why was it cleared? I think it 's very neglectful of the bank and their reps are not trustworthy since they ca n't give the same answers back to their customers. I need the bank to admit they actually overlooked and cleared a check that was already stopped, and refund that amount back to my account.
On XX/XX/18, XX/XX/18 & XX/XX/18 23 I contacted XXXX XXXX XXXX XXXX XXXX ( MCM ) about a debt that came up on my Credit Report. On my Credit Report, the amount owed was reported as a loan, not as collections. This was reported on XX/XX/18 against my Credit Report. I spoke with several representatives on the dates above. I requested a statement from MCM that I owed the debt as well as validation from MCM that I owed the debt. No one at MCM could provide this to me. Additionally, several representatives told me they were not authorized to discuss my account with me and could not provide proof I owed a debt to MCM. 
MCM confirmed my mailing address ( as shown above ) was correct. However, I have not received any correspondence from MCM. This was reported on XX/XX/18 against my Credit Report.
On XX/XX/XXXX I call Wells Fargo about something on my online account. After talking about it, I said I take care of it and would follow up tomorrow XX/XX/XXXX.
OnXX/XX/XXXX. I returned the call to Wells Fargo to let them know I did correct he problem. Well they said they had to ask me questions to verify and release the block on my account. So they asked me questions about myself and said it was not a match. So now they had to ask me more questions. I remembering this happening several times before. 
They have my money and are asking me questions about my life and determining ifs its a match or not. 
How dare they play these games with my money. They do n't know me. 
They claim there questions about me is based on public data. Public data. When I responded to there public data questions, they have the nerve to say no match. Are you kidding me What kind of game are they playing with my money. They can not have the right to withhold my money based on public data information. They at no time ask me whether the public data information they have on me is true and they use this information to determine if they are going to remove a block on my money. This has to be wrong and illegal. They at no time told me they have thoroughly researched this public data information, cross referenced checked it with me and others and know for a fact this public data info is true or false and then they ask me these questions and tie my access to my money based on these questions. That 's wrong and bad business
About 3 years after initial date of service I received a bill from the creditor. I contacted them and indicated I had insurance why did they not bill the insurance. They stated they did but an Explanation of benefits was needed. I asked what that was and was told I needed to pay the money and I could go argue with the insurance company they submitted the information once and that was all they were doing. The initial date of service was from  XXXX . Finally in  XXXX  of  XXXX  after arguing with the insurance company for two years I was able to get them paid. However, there was an outstanding balance of {$150.00}. {$70.00} was for no show fees. I explained I cancelled an appointment and went to an appointment. They were told they could not adjust the bills. I stated I would pay the balance minus the {$70.00} because I do not owe that. The appointment that was cancelled set me up for a   XXXX   XXXX   in the hospital for  XXXX  and the doctor said   XXXX   XXXX   first. That was their error and I should have done   XXXX   first. They stated they could not waive. Two weeks ago I got a letter from a collection agency. I stated the statute of limitations had expired and again I was willing to pay  XXXX  which is what I owe and did not have to because the statute had expired. I was told I either pay it or they will report me to the credit bureau. I told them the statute had expired and they could not do that. She stated that she could and would.
I recently received a letter from a collection agency for a debt that is 25 yrs old from the Public Defenders Office, I 've done some research on the matter and have an understanding it 's a time barred debt according to 2A:14-1, also reporting a collection is 7 years, furthermore, through my research I conclude that 25 years is past any statute of limitations.
To whom it may concern : My husband and I ( XXXX XXXX and XXXX XXXX ) are sending a written complaint regarding the bank JPMorgan Chase Bank located XXXX, NJ for the following reasons : When we started with the process of our house loan a representative by the name of XXXX XXXX in XXXX/XXXX/2013 began to assist us. However, for some reason he stopped working at this bank and our entire process was delayed and we were informed that a new representative would be following up with us by the name of XXXX XXXX. However, XXXX never followed up with our case and no one from the bank contacted us regarding our status in the process. I then started to make the calls on my own to find out how the status of our loan was taking progress. This negligence of irresponsible representatives that were assisting us caused a delayed in the closing of our first home. Due to these inconvenences the closing of the house was finally done XXXX XXXX, 2013 when it could have been processed earlier. I would like for you to consider all these neglectfulness by this particular bank and reconsider that as I client of JPMorgan Chase Bank we should have met the criteria to change MIP premium requirements of FHA loans that took effect for those who had a case number assignment date before XXXX XXXX, 2013. I have attached documentation that proves that our process had began by XXXX/XXXX/2013. Please I would appreciate if you reviewed this information and assist me in the best possible way so that we can qualify for the resolutions that applied before XXXX XXXX, 2013. 





Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX stWest New York, NJ XXXX # : XXXX
I used to have an account in the Bank of America. On XX/XX/XXXX, they did not get my permission to close all my accounts. I did not do anything wrong but just two months ago I was a victim of a financial fraud. But I reported this fraud as soon as possible and I did not have any loss on this fraud. But after two months, they closed my accounts without any warnings and refused to give me my money. I 'm just a student but I only have accounts in this bank, which means that I only have bank cards for this bank. I told me that I need my money right away because I need money to live and pay rents, insurance and other expenses. They ignored my requests. On XX/XX/XXXX, I called the customer service and I need the money right away and I can go get the money in person in the bank. On XX/XX/XXXX, I went to the bank and they told me they can not give me my money because they need to verify my account. I need to come back on next Monday ( which is XX/XX/XXXX ) to get the money. But on XX/XX/XXXX, I called the customer service, they just told me they can not give my money right away because they have already mailed the checks to me on XX/XX/XXXX. But I verified with the bank on XX/XX/XXXX and they told me they have not process my check yet. Why on XX/XX/XXXX they just told me they have already mailed the check on XX/XX/XXXX? And when I asked for the tracking number for my mailed check, they told me they did not have that and just ended the call! How can they be so rude when they did wrong and made me suffer the loss! Why did they give me any warning before that so I can have some preparation for that? Right now, I do not have any money with me to pay for the rent, insurance and other expenses just because of the bank of America! Also, the customer service did not answer my questions well and ended my call without helping me! As a student, I can do nothing but to ask for help from you! Please let me know what should I do to avoid suffer more loss or I just starve to death?
I have had my XXXX XXXX/Bank of America Credit Card for XX/XX/XXXX. For the first year, I would call in every month and make a payment on the credit card. I was finally sick of calling in each month so in XX/XX/XXXX when I called to make my payment, I asked if they could set me up for reoccurring payments each month. The man that I spoke with was very hard to understand and there was a little bit of a language barrier. I politely asked him to speak with someone else and he insisted that he understood what I was asking for and he could help me. I asked the man to set up reoccurring payments for the minimum payment due each month. He insured me that he did so, and the conversation ended. Stupidly, I put my trust in Bank of America to put the right people in place to DO THEIR JOB and I did n't check on that card for another four months or so. Because I do n't regularly use that card, I did n't feel the need to check on it. ( Keep in mind ) I have proof that my account was current and all my payments were made prior to this man setting up my auto pay. Long story short, the man that set me up for auto pay DID NOT put in the minimum payment amount, he put in a payment amount that was just under the minimum required amount. So for six months Bank of America has been taking {$40.00} out of my checking account and applying it to my credit card, THE PROBLEM IS that this is not the minimum amount, so for six months my account has been getting charged late fees and interest. I went into the Bank of America office in my city and they could not believe what was going on. They continued to apologize and they called the customer service line for me while I was there. Bank of America acknowledged that they were wrong but they still wanted me to pay over {$400.00} up front to get my account back to current, and then they would credit my account two months later. This is the most ridiculous thing I have ever heard, I 'm hoping and praying that someone can see that this is FRAUD! Recently Bank of America closed my account, but they are still taking out the {$40.00} a month. I understand that mistakes happen, and it was the ignorance and lack of focus of one individual in that company that caused this problem. I also want Bank of America to file a dispute to fix my credit.If this is n't a class action law suit, I do n't know what is.
I bought my home in XXXX of 2017. The loan officer gave me 3 closing dates. The third was to be XX/XX/2017. On or about XX/XX/2017 I called to see when paperwork needed to be filled out. He told me he never filed any paperwork assuming I was going to use another loan officer. His company then had a supervisor close the loan in XXXX. My loan was 203k. Around {$75000.00} in renovations were needed. {$25000.00} to be used to fix foundation and waterproof. At that point the ground was frozen and I had to wait until fall. Meanwhile the general contractor worked inside. When it came time for a withdrawal the consultant I hired via the loan company did nothing. It took almost 2 months to get money. Next the contractor took a  job building XXXX XXXX and quit working on my home. Although I did not find out for weeks. He just stopped coming over. Now I'm trying trying to hire a new contractor to finish my home. The 203k consultant has not answered any of my calls or texts. The mortgage company sold my loan within months. The new mortgage company doesn't seem to know what's going on. I've called a few times a week for months now. I have a wife and XXXX children. We lived in a hotel for 8 months. I also paid for a storage unit and eating out 3 times a day. I finally moved in and have been slowly doing what I can out of my own pocket so my family has somewhere to live. I've spent every penny I own this past year. I can't get a response from my consultant and the new loan company is threatening me and calling me every day. I'm less than a month behind on my mortgage. I am living in a living room in a half done home and no one can tell me what to do.
RE : BLUEBIRD ACCOUNT XXXX {$210.00} in stolen credit card charges I am writing to you for your assistance to settle a dispute with a stolen America Express Bluebird credit card. On XX/XX/2016 I received a text message from AmericaN Express Bluebird that my account is now at {$0.00}. I had {$210.00} balance on the card prior to this email that I received at XXXX. There were XXXX charges made on XX/XX/2016 at the XXXX XXXX XXXX XXXX by XXXX XXXX, California. I live in XXXX XXXX and upon receipt of the email from AMEX I logged on to my AMEX account I went online and saw the XXXX charges that were made between XXXX-XXXX. I received the email at XXXX, I called from my house in XXXX XXXX and called AMEX and called your payment processing center. I told them not to pay since these were fraudlent charges. They said it was pending and I had to wait until it was posted. 

I had called AmericaN Express Bluebird to request a new card since my card strip was worn from using it frequently. I never received that replacement card. Amex called me on XX/XX/2016 and said they contacted XXXX XXXX XXXX XXXX and said the charges were valid. There is no way I can travel from XXXX XXXX to XXXX XXXX in 1 minute. I asked for someone to pull the tapes and I can send my photo to prove that was not me making the purchases. I also said when I was calling AMEX they can call me back at work to prove I was in XXXX XXXX at XXXX on XX/XX/2016. 

Amex said that based on XXXX notification, they denied the dispute of my charges and closed my account. They said there was nothing they can do since XXXX said the charges were valid. I wanted to explain my case I wanted to XXXX to have someone just pull the tapes so I can verify that was not me making those purchases. The total of the XXXX charges total {$210.00}. I have already filed a police report with the City of XXXX XXXX and the USPS both reports are attached to this letter. American Express Bluebird did nothing after I immediately notified them of the fraud charges. Since this was a prepaid account they are not out the money but the consumer me is out {$210.00}. American Express Bluebird has a obligation to the consumer when properly notified to reverse the charges and to fight for the cardholders funds back which they failed to do. 

Regards, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX XXXXXXXXXXXX
I was laid off from my job and then found a new one. Paid all my debt off but it still shows the debt as being there. 

Even though I have paid all my debts I can not get a car loan. Seems absurd that someone that has always done well has a drawback and can never recover because of this system. If this system is what is going to be used to determine my future then it should be correct.
Equifax Security Breach of 2017 ; confirmed to be affected via www.equifaxsecurity2017.com I want to file a complaint against Equifax for their lack of security and delayed reporting of security breach and loss of my personal information.