WillisBack/dataset-financial-user-claim huggingface dataset:
There are items still showing up on my credit file that has been removed over 18 years ago. XXXX XXXX  credit card company just sent me a denied notice for a credit card and everything that is stated as a reason not to approve me for credit card is wrong and illegal. They stated that they have a charge-off, bankruptcy, severe delinquency, negative performance and that no credit bureau report was not used in making this determination. also, Citi Bank has done the same thing. What can be done about this wrong doing by these companies. These types of denials show not be use against me by Federal Laws under the fair credit reporting service.
Since last year I have been writing to all 3 credit Veros company disputing the information that I have in my credit report but with no result all I get is that the result have been investigating and is verified I have been asking for validation of the information thats in my credit report and each time I ask all I get is verification since XX/XX/XXXX of last year is about a year I have been writing to the credit bureaus for them to help me fix the problem and validate the information. The result for year have been verified and never been validated so Im asking your company to please investigate this information and have some validation information to me. The credit bureaus is very abusive in power and I feel trapped for them not to be listen to what I have to say and also I have fraud alert in my account in there undermine does also. I want to bankruptcy removed from my account I have no knowledge of it I have asked for for validation for that information and it was never provided to me I went to the court system to ask why do you report something thats not mine and they told me they never did so I dont know why the credit bureaus do you have so much power to do consumers like me this way. The law shows that if the credit bureaus can not validate information that they had to remove the item from your credit report so Im not understanding if they can not validate my information why do you keep running my credit the way they are. I am writing to you expecting you to investigate all three credit bureaus I need validation for my credit and I need all the negative items to be removed I have wrote to the companies more than 12 times and I still have not got any results from them so please write me back and let me know when exactly ready to do if I need to take the step to take the credit bureaus to court thank you.
My interest rate on my WalMart XXXX is currently at 24 %. I've had no late payments, and of my {$170.00} payment, {$120.00} of that is going to interest alone. I contacted WalMart and asked for a decreased interest rate, and was told I have a variable interest rate that is determined by the Federal Reserve. No other cards are charging me this high of interest, and the last time I checked, the Federal Reserve interest rate is 1.75 %.
The company is NATIONAL CREDIT SYSTEMS, XXXX. XXXX XXXX, XXXX, GA XXXX. 

Florida requires license and this company is not licensed in Florida.
For month 's I was back and forth between XXXX XXXX XXXX XXXX, and Medicare. At one point during the dispute the Medicare Representative asked for XXXX XXXX XXXX to call them. They refused, I was stunned, and here we are. 

I went to buy a car and found that my credit score had PLUNGED BY XXXX points. I paid for a copy of my XXXX-bureau credit report, and found that " while we trying to sort things out '', the XXXX XXXX XXXX was putting negative remarks on my credit report, AND sent my account out for collection. 

I was provided no notice from them, or the collection agency. The items were just embarrassingly there - in my credit reports when I was at the car dealership. 

The last Medicare Representative I spoke to said the XXXX Hospitalists were in violation of their contract with Medicare, and they ( Medicare ) would escalate my claim. 

I am still waiting.
Company recorded several incorrect credit information on my credit report then when trying to contact by usps they refused information.
I applied for an auto loan when the 2016 model trucks came out from USAA Bank. Sent in all financial information and was not granted loan. Turned down flat. I believe it is due to my XXXX. Cleary there is enough cash flow in my personal tax returns when a skilled agent or licensed agent evaluates the available cash flow.
Trans union has got somebody with the same name as mine that lives in the same town that I live in credit good and bad mostly bad listed on my credit report. This has brought my credit number down terrible low. How were they able to do this without my social security number? There are even XXXX civil judgements against me. I had good credit how can this happen. I checked with the other XXXX reporting credit agencies and Transunion the only one that has the wrong information listed against me. Please help.
Constant calls concerning credit account which is a debt resolution program. Phone nmber calling from - XXXX XXXX XXXX
lvnv funding has a collection against me that is past the statue of limitations and also has not responded to my request for a debt validation letter
On or around XX/XX/XXXX I contacted all three credit reporting bureaus about the removal of a negative item showing paid as agreed on my credit from XXXX XXXX XXXX XXXX. I advised each of them the negative account activity shouldnt be showing if the account is paid as agreed. This is false reporting or double talk. I also raised awareness that just because I dispute old items currently they shouldnt be reporting it like it happened currently as the negative activity happened in XX/XX/XXXX. It was the actual first date of delinquency of this one account. They informed me that the account reported a second delinquency in XX/XX/XXXX and that is the 7yr date they will remove it from. I informed them then that this is wrong. Reporting of a delinquency as I will show you all in the statement disclosure sent with the reports to consumers in the document section. The disclosure specifically stated a delinquent account remains on record for UP to 7yrs of FIRST DELINQUENCY ( XX/XX/XXXX ) not second delinquency. Therefore Im demanding they remove this item from my credit report as it is reporting in noncompliance of the disclosure. They all refuse to let me file a dispute about their wrongful reporting so if they dont remove it Id like to raise the awareness to the FTC of my FCRA rights. This is a violation of my right to have negative items removed in a timely fashion as well as refusal to allow me to file a dispute about it. Not the creditor because theyre information is correct. Im disputed the removal in compliance with the deletion of negative delinquent items. After all if an item is closed and paid as agreed how can it be listed as a negative item and be paid as agreed it dont make sense so clearly its bad reporting on the part of XXXX, XXXX and Experian. There are laws and I have rights and I ask that this negative paid as agreed XXXX balance account be removed from my report as well as the other borrower on this account. This account is paid and closed as of XX/XX/XXXX. It is set to be removed up to 7yrs of FIRST delinquency and I ask that it get removed on or before XX/XX/XXXX. I dont pay nothing late and this needs to be fixed. Otherwise Id like it very much that all 3 bureaus be held accountable for unlawful reporting practices by making accounts current thats old when consumers dispute the information and not allowing me to dispute this items removal from my report,
RE : Confirmation # XXXX I 'm complaining because Equifax have failed to comply with, furthermore wilfully ignored, my requests to provide me the documents that their company have on file that was used to verify the accounts that I wrote them to dispute. On XXXX XXXX, 2017, I sent them my dispute letter requesting that they verify all data for the disputed accounts and I 've yet to receive anything of the sort. Because its been well over 30 days and they are unable to verify the accounts, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely, the accounts I wrote to them to investigate and verify since XXXX XXXX, 2017. I beg you to resolve this matter with urgency as my character is being defamed by their wilful non-compliance. Thank you.
First, I am a XXXX XXXX XXXX XXXX Veteran on a fixed income of {$3300.00} per month, with a VA Loan and payment of $ XXXX monthly. I have been trying to get assistance for over a year since I lost an income amount of {$940.00} per month that I had been receiving. This is what caused me to fall behind. Please see hardship Letter and letter from Housing Counselor at XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. I went to XXXX, on XX/XX/XXXX at which time I was XXXX payments past due on my mortgage. The Housing Counselor submitted for a modification on XX/XX/XXXX when documents were reviewed I was declined for insufficient income. It was at this time I contacted my VA Rep-XXXX XXXX. XXXX discovered that they had doubled my car payments ( two cars ) which caused me to be disqualified. Once this happened, and the VA informed Freedom Mortgage, I was asked to submit again, which I did on XXXX, and again I was declined on XX/XX/XXXX for not enough income. Since our house was scheduled to foreclose originally on XX/XX/XXXX it was postponed. My wife, XXXX started working onXX/XX/XXXX for the additional monthly income of {$2100.00} which should qualify us for the modification. We do not want to lose our home. In addition I would like to tell you that XX/XX/XXXX has made many mistakes in my case review -- example ; Asking for wife to sign all documents, and actually had already been sent in to them, they requested a letter as to how much my wife was going to contribute of her pay to the housing expense, also sent in on a notarized Non-Borrower Form also had been overlooked. It make me feel like they do not want to help me and are discriminating me because I am a XXXX veteran. PLEASE HELP I NEED THIS MODIFICATION, I have XXXX kids and this would traumatize them.
Experian is allowing XXXX XXXX XXXX to report incomplete information on my credit report. Experian notes the status as never late for an account that was opened on XX/XX/XXXX however the loan servicer is only reporting monthly payment history for most months an " ND ''. During conception and origination of the loans, the servicer agreed to update each month the account was in good standing as '' OK ''. Also Experian posts to my credit report that my account originated in XX/XX/XXXX, however payment history for four of the past seven years are missing. This is the case for more than 15 different student loan accounts that Experian has allowed to post to my credit file from XXXX XXXX XXXX. I am missing over 500 payment history updates. It is unfair to allow the burden of the debt to reflect on my credit report without allowing me to receive the benefit of the credit age and payment history which are significant factors in my credit score. When I disputed this information Experian allowed the lender to remove most historical data for payment history which is against completeness provisions of the Credit Reporting Act, 611 a 15 USC 1681ia. The payment history is available and known and must be reported.
I had a American Express Corporate credit card with my past employer XXXX. I had the card for 3 months and always paid the bill in time Just before leaving XXXX - I had booked a business trip which finally I did NOT end up taking, the Airline had a non-refundable ticket which even after being cancelled showed up as a charge on my statement I was contacted by American express and was asked to contact XXXX XXXX at XXXX who will help me file a expense report. I contacted this person 4 times and left detailed voicemail -- I did NOT get any response back American express is now harassing me by calling my cell number, sending updated bill with penalty charges every week I had explained to American express customer service agents multiple-times that this is NOT a bill am willing to pay - since i did NOT avail the flight services for which the charge is shown on the credit card The attached statements show the frequency & threats of the collection mails and harassment by American express
LAST FRIDAY I WAS CALLED TO DO THE CLOSING OF A HOUSE THAT I WAS TRYING TO BUY,THE TITLE COMPANY(NU WORLD TITLE,LLC)TOLD ME I WAS GOING TO NEED A GIFT FROM A FRIEND FOR THE AMOUNT OF 3700.00,THAT CALLED MY ATTENTION BECAUSE I HAD ON MY ACCOUNT ENOUGH MONEY,AFTER CLOSING I HAD A BALANCE OF MORE THAN 6K.
AFTER I SIGNED AND THEY GAVE ME THE HUD-1 ON FRIDAY NIGHT THEY INSIST IN THE GIFT AMMT TO BE TRANSFER TO THEM,ON SATURDAY I RECEIVED MY KEYS AND I MOVED IN OVER THE WEEKEND,ON MONDAY THEY STARTED CALLING ME FOR THE GIFT MONEY AND I REALIZED THAT THEY NEVER GAVE ME THE WARRANTY DEED,TODAY AFTER SEVERAL CALLS MY REALTOR JUST INFORM ME THAT WE NEVER DID I CLOSING AND THATS WHY I DONT HAVE A WARRANTY DEED,NOW IM LOST AND I DON'T KNOW IF I HAVE TO PAY MORE MONEY OR IF I DON'T AND I ALSO WAS TOLD BY MY REALTOR THAT THE MONEY I PAYD FOR INSURANCE(XXXX) IS NOT INCLUDED IN THE CLOSING COST AND THAT'S WHY THE AMMT I PAYD OVER THIS PROCESS IS NOT THE SAME THAT THE ONE IT'S IN THE LINE#XXXX OF THE HUD-1.
CAN SOMEBODY CLARIFY WHAT IT'S INCLUDED IN CLOSING AND DO I HAVE TO LEAVE THE HOUSE AFTER I MOVED.THANKS IN ADVANTAGE AND I'M WAITING FOR A PRONT RESPONSE.
On XX/XX/XXXX, I called Lendmark Financial Services via phone, spoke to XXXX at the Credit Bureau Information desk. Lendmark was erroneously reporting information to all three credit bureaus that they did not receive payment for XX/XX/XXXX which I immediately disputed. I spoke to both the supervisor and XXXX at Lendmark, submitted supporting documentation that proved all payments to Lendmark were paid on time and my account was in good standing. I was assured by both XXXX and the supervisior that the error would get corrected with all three credit agencies. It is XX/XX/XXXX, XXXX is still reporting that I missed a payment. In fact, there was a third party vendor that was making payments on my behalf, my account was transferred to a different company. As a result of the transferred account, the XX/XX/XXXX payment was submitted to the wrong address, was corrected in late XX/XX/XXXX. Again, after explaining the details to both XXXX and the supervisor, I was again assured that the derogatory flag on my XXXX report as well as the other reporting agencies would get corrected. I have repeatedly reached out to XXXX several times to resolve this matter amicably, the matter has gone unresolved. Any assistance you can provide with regards to this matter, would be greatly appreciated.
PLEASE SEE ATTACHMENTS ASSOCIATED WITH THIS COMPLAINTOn XX/XX/2015, I presented a US Government Check drawn from my Thrift Savings Plan ( TSP ) Retirement Account for {$8000.00} ( in person ) to my local Wells Fargo branch. I had WF deposit {$1500.00} into my checking acct ; of the remainder, {$1000.00} was deposited into my savings ( as CASH ) and the rest I took, as CASH. At the time of this transaction my checking acct was overdrawn-the balance was - {$210.00}. Since that date, I made a cash deposit via ATM of {$300.00} on XX/XX/2015 into my checking AND another Deposit of {$600.00} via transfer from Savings on XX/XX/2015 ( i.e. it was treated as a cash deposit XXXX into my savings acct. During that same period BUT AFTER THE INTITIAL DEPOSIT OF {$1500.00}, I initiated and authorized XXXX ( XXXX ) debit transactions of {$35.00}, XXXX, {$62.00} & {$560.00}. My complaint : WF placed has placed a hold on funds in my account in the amount of {$7800.00} ... the amount of the check that was returned to me as cash ; The length of the hold is ten ( 10 ) days and the cite the reason for the hold : that I had overdrawn my account more than once in the previous six ( 6 ) months ... which is true. However, they are also holding the cash amounts deposited during the period of XX/XX/2015 thru the present ( {$600.00} & XXXX ) ... which makes absolutely no sense to me for XXXX reasons : First, they were CASH desposits ... how can you place a hold on cash? Second and just as relevant : Back on XX/XX/2015, I went into my local WF branch, again in person, and presented a US Government check, drawn from same source-my TSP, but in the amount of {$16000.00}. While my account was NOT overdrawn at the that time, it HAD been overdrawn within the past 6 months. Yet when I asked for an explanation as to why the checks were both treated so radically different, all I can get from the telephone bankers is the same stock reply : " your account was ocverdrawn in the last 6 months. This concerns me greatly because, even if they were to hold the amount of the check deposited most recently, the CASH deposits I made from XX/XX/2015 thru the present are more than enough to cover the debited transactions made during that period ... yet WF is determined to disregard the CASH monies deposited as well as the check ... an action which will cause me to incur at least for separate overdraft fees of {$35.00} each. 
I am well aware of the multiple overdraft history on my account prior to XX/XX/2015 ... and have had absolutely nor problem with paying the fees associated with those transactions - they were incurred by me, knowingly and I never disputed them. 
But this recent series of events indicates, in my mind, a clear willingness of WF to simply disregard their own rules ... .and subject me to Overdraft fees in a manner that is obviously arbitrary and definitely inconsistent with their past practices.. WF is disregarding their own rules - this is, in my mind, unfair and absolutely without merit.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor :  XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
I have never had an account with SCA Collections. and this is a HIPPA violation of my personal information.
After I submitted a complaint to Wells Fargo then the CFPB about the misleading advertising on their Wells Fargo Rewards card, Wells Fargo responded to both and did not do anything except dismiss the claim and point to their lengthy terms and conditions as evidence they are in compliance with their own terms and conditions. Then on XXXX/XXXX/16, I received a statement from Wells Fargo showing that they forfeited XXXX points on my Wells Fargo card because I complaint to the CFPB when I am not supposed to. I contacted Wells Fargo customer service and they told me the same thing and will have a floor manager contacted me within 5-7 business days to further explain the rationale the points forfeiture. It is unethical for Wells Fargo to punish a customer for raising a complaint about bad customer service or misleading adveristing.
I have a vehicle loan through BBVA Compass Bank. We sold that vehicle to a private party XXXX XXXX, 2015. The purchaser obtained their Loan through XXXX XXXX out of XXXX, Mo. XXXX XXXX sent a cashiers check ( XXXX/XXXX/15 ) overnight for the remainder of my loan to pay off this vehicle. Compass Bank received the check XXXX/XXXX/2015 at XXXX per the tracking number obtained by XXXX XXXX. Compass Bank is unable to locate the check, thus my loan account has not been closed and is accruing interest and coming due for another payment, although I have not had the vehicle in over one month. 
I have contacted Compass Bank XXXX times regarding this missing payment. I continue to have no answers. I have contacted XXXX XXXX XXXX times, who have no concern about the loan payoff, nor the loan they opened for the purchaser. One person for XXXX XXXX informed me XX/XX/XXXX that the cashiers check had not cleared. XXXX XXXX is now refusing to inform me over the phone if the check has cleared or not. Compass Bank is requesting that XXXX XXXX either provide them with proof that the check cleared or place a stop on the check ( which XXXX XXXX stated will require XXXX days ) and reissue the check again. XXXX XXXX has not been in contact with Compass and has not returned my recent calls. I have spent hours on the phone to these companies to no avail. I am stuck and unable to get either party to look into their loans. I continue to be put off by compass with them closing requests to look into it and the research team not doing so. My concern is that my account will continue to gain interest and will require that I make a payment on the account when I have not had possession of the vehicle in over XXXX days, thus affecting my credit. I have a bill of sale and copy of the original misplaced cashiers check. The purchaser is paying on a loan that had not been cleared, and is unable to Register her vehicle as they do not have the title. At this point, I am unable to assist any further in this matter.
Both Citibank and XXXX  XXXX XXXX allowed unauthorized access to my accounts. I added the woman I thought was my wifeto ONLY my checking accounts at both banks, she was not n any savings or CDs. Citibank has her listed under her maiden name and XXXX under my last name, ( which she never changedto using except when she had a credit card revoked, then shed reapply under my last name ). This started 8 years before we were married, no less. Ive found she changed my address to hers 3x and opened credit lines each time and repeatedly was pulling my credit report. As far as the banks, both admitted they erred by allowing her access to all of my accounts, even business and client trust accounts. She withdrew thousands, sent thousands to her family in the XXXX and even stole my ssdi income before abandoning me. After she left, she continued to steal from my accounts and even closed new ones I opened, under direction of the XXXX manager, at a new PO Box that she had no knowledge of its existence. XXXX have assisted her thievery several times and now refuse to investigate themselves. In serious need of help She stole using online access to move money from accounts she was not allowed access to each respective checking account that she was allowed access. She also hacked my network through myXXXX XXXX XXXX app to obtainmy phones XXXX address ( results in a cloned phone, complete with passwords and everything. )