WillisBack/dataset-financial-user-claim huggingface dataset:
I had 9 accounts that were negative and became late in early to XX/XX/2011. As they became 7 years old for the first delinquency, they began to be removed from my file. Now I have 3 that are now over 7 years old but they continue to keep them on my file. 
One agency debates that 7 years from the first delinquency is even the standard event though they normally do so as policy internally. These agencies do not even report the credit detail for 7 years but cut off a few months before 7 years. It appears they do not take seriously that people like me are patiently waiting to get our credit scores up and just don't care. I have reports that  XXXX sent to me showing accounts delinquent in the history, and then 2 months later, when I update the report, those details are removed and they only reports 6 years and 10 months of history. It is as if they intentionally want to keep the file on the report. Equifax has a line on their front page summary of the report with a line stating " date of first delinquency '', however, they rarely have an entry in that line. All 3 agencies, XXXX, Equifax and XXXX, focus on negative information but not on insuring that they remove the accounts as prescribed by the Fair Credit Reporting Act. They have no accountability and I personally have been waiting 7 years to refinance my home, and now am having to try to get them to report accurately. They can have very detrimental affect on people and just don't care. I have even had documents with detailed annual payment info from a mortgage company who clearly said it should not be reported at this date, yet the dispute comes back saying it is reported accurately. I hope you can get this corrected. In my opinion, if the " date of first delinquency line '' is not filed, the reporting is inaccurate and should be removed. I am paying much higher interest rates than I should be due to bad reporting from the agencies. I am sure I am not the only person dealing with this but most people don't know how to appeal or even who to appeal to. 
We all thank you if you can affect change.
In XXXX I called TD Banks customer service, and asked them to close my account. In the XXXX of XXXX, I went back to TD Bank. To reopen my account, to my surprise the account was never closed.And on top of that, they told me that I owed the bank {$61.00} and some cents. I was told that I could not have the account closed over the phone. But the customer service representative that I spoke to over the phone, did not tell me that. On Friday XXXX XXXX XXXX. I went into a TD Bank on XXXX XXXX, in XXXX. And i was still not helped.
I got a second mortgage on my payed off home in XXXX from PNC to pay off a loan on a mobile home in XXXX. The home in XXXX is NOT part of the collateral for the XXXX mortgage on my home is XXXX which is valued at six times the value of the loan. The XXXX home was paid off in 2006. Instead of having my title for the mobile home sent to me PNC insisted to both the state of XXXX and XXXX bank that the title be sent to them. Now I can not get a title and I can not sell this home.
I have been paying my mortgage for 15 years automatically from my bank. My escrow amount increased in 2017 so my electronic payment from my bank went out on XXXX XXXX for my XXXX XXXX Mortgage payment before I increased the amount. Obviously my XXXX payment was less than the expected amount and since it was made in XXXX the bank assumed it was an additional payment and applied it to principal. I later called the bank and paid the difference for the new escrow amount and they told me they backed out the prinicpal payment and applied both payments. They removed a late charge and all seemed fine. I got a call this morning at XXXX XXXX saying they never received my XXXX payment and it is more than 30 days late. I logged on to my account and I have paid both XXXX and XXXX 's mortgage payments in full yet they are claiming I have n't paid XXXX 's either. While this may be an honest mistake they have now ruined my credit which was XXXX before this but because they seem to think my payment is 30 days late they say they will report it to the credit bureau. I have XXXX new young children and am currently shopping for a new mortgage to get a bigger house. This obviously hurts me a lot as my stellar credit is now not so stellar. I think they need to be held to a higher standard when they have such power over peoples lives and I do n't actually think it 's an honest mistake. So just to summarize I have made both XXXX 2017 and XXXX 2017 mortgage payments in full and on time but they claim I am 30 days late on XXXX 's payment and that I have n't made XXXX 's payment. How is that possible when it shows on their website that they have received them. I think bank of america has shown in the past that they do not have the consumer 's best interest in mind and they have been reckless.
I have two separate complaints, one from XXXX XXXX XXXX XXXX and one for XXXX XXXX. 
XXXX XXXX XXXX XXXX {$27000.00} Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX representative XXXX XXXX told me he would removed this account from my credit report due to my military background and secret clearance issues it would present. Account was paid in full and judgement was removed, however this is still on my credit report. I have filed a dispute with the company and then after with the three credit bureaus. XXXX  has deleted the account, however the other two XXXX and Equifax have not. I am requesting that the two other bureaus remove it from my credit report as well, I am applying for my XXXXXXXX XXXX and need to have it removed before my investigation starts. My complaint is with the bank XXXX XXXX XXXX XXXX and the two bureaus XXXX and Equifax since they have not removed or deleted the error on my report as requested. 

XXXX XXXX {$16000.00} Opened XX/XX/XXXX Closed XX/XX/XXXX I am XXXX XXXX military, when I opened this account it was a regular auto loan. I moved from XXXX XXXX to XXXX due to military orders, I requested a modification to my auto loan under the Service Member Civil Relief Act. XXXX XXXX stated they would convert my loan to a military loan and that they would reduce my car payment. Instead they listed me as late multiple times, converted the loan to a charge off account with XXXX XXXX and never told me. I paid my account off in full in XX/XX/XXXX not knowing this error in my account. Once I applied for my secret clearance I was notified of the issue. I have repeatedly tried to work with XXXX XXXX and they refuse to assist me, they cant provide any original documentation showing my change in my account. I have filed a dispute with all three credit bureaus to have this account removed. Instead they changed the wording to a " fix charge '' for my account. Again, due to my XXXX XXXX request and need to have it removed before my investigation starts. My complaint is with the bank XXXX XXXX and the three bureaus XXXX, XXXX and Equifax since they have not removed or deleted the error on my report as requested.
I never authorized anyone to pull my credit and the inquiries on my three credit report are incorrect inaccurate and want them to be removed from my credit report
My credit is suffering because it says I have not paid back a student debt, but I did in fact just pay it.
My American Express card had a balance on the XXXX 2016 statement. I paid that balance with an auto-pay and there were no charges before the XXXX 2016 statement was due. American Express refused to provide a statement showing the prior balance, payment, and XXXX balance. The " Live Chat '' told me it was " not possible to generate a statement that shows XXXX balance, the payment transaction and the prior balance ''. So why is American Express exempt from reporting all financial transactions on their credit card statements? Are they above the law?
I have been in contact with company for over a year now regarding the debt they are trying to collect. I did not make the purchase they are stating I made so I am asking for some sort of itemized bill in which they have not given me. I have been asking every month when they send the collection notice and we are going in circles. I have received the exact same statement showing a balance. This issue is negatively impacting my credit and as you can see I have never paid a single bill late and this is reflecting poorly on me. Every time I speak to someone they are dismissive and just yes me and nothing gets done about my issue. As well the debt was first being collected by Synchrony Bank then was transferred to XXXX XXXX XXXX XXXX.
I have not been able to obtain my credit report or score for over a month. The last time that I could access my credit report was XXXX/XXXX/2016. Since that time I have called everyday to try to get this corrected and I have not been helped. I have spoken to supervisors within the credit monitoring department and they have placed a total of XXXX tickets to have this resolved and keep promising me that it will be, however it never has been. I have been promised phone calls back countless times to tell me why I could not access my credit report and when it would be corrected, but not one person has called me back about this. When no one called me back I contacted the corporate office and was then promised a call back from them as well. I never received a call back not from anyone. I then contacted XXXX XXXX XXXX the Vice President of Information Services with Experian and requested that she call me back on two occasions, and she never called me back. I sent 5 emails to XXXX XXXX XXXX requesting that she call me back, but she has refused to call me back. I have been in contact with more that XXXX people at Experian and explained that I am not able to access my credit report since XXXX/XXXX/2016 and requested help from all of them and to date not one of them have assisted me and not one of them has even bothered to call me back. 
This presents breech of contract because I paid for a service that I ca n't use. I have also been provided this service as a part of a security breech at a company to help monitor my my credit because of the breech, and this service is not working so this is yet another breech of contract.
I have been disputing a debt which is not mine for months that is showing in my credit report as XXXX account number XXXX. I have written to XXXX several times at the address provided in the report, which is XXXX XXXX XXXX XXXX, CA XXXX. It turns out that this is an incorrect address for XXXX and has not been valid for years. This has cost months of delay in this process and Experian will no longer take a dispute for one reason or another. And I can not clear this up with the creditor since Experian does not list a vaild address, which I believe is the responsiblity of both Experian and the alleged creditor to have valid contact information listed under the FCRA.
We recently applied for credit and discovered, to our surprise, that Commonwealth Financial Systems, Inc listed the following debt on XXXX : MEDICAL XXXX Collector : MEDICAL Account Number : XXXX Date Opened : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Amount : {$50.00} Date of Status : XX/XX/XXXX Status : Closed There are several concerns regarding this debt : - First and foremost, I have full medical insurance coverage and this debt could not have possibly have been incurred in XX/XX/XXXX. 

- I recall having seen a collection of {$50.00} previously on my XXXX Credit Report but under a XX/XX/XXXX date and XXXX deleted the debt. However, it appears to resuscitate and is reposted again and again on my credit report ; each time under different Collection Agencies. 

- I 've been receiving numerous phone calls on my home phone and recently received one on my cell phone whereby the woman did not identify herself nor her organization and just said, " Hold on please, I 'm going to transfer your call to the person who called you ''.
The Fair Debt Collection Practices Act specifies that debt collectors can not : conceal his or her identity on the phone.
- The Statute of Limitations for a contracted debt in the state of Florida is five years.
- I have received a letter attempting to validate the debt and have responded accordingly. See attachment.
- I reviewed experiences that others have had with this company on the internet and they appear to be a nightmare. I fear that my letter of denial and request for verification of debt will be ignored and I will continue to receive calls and correspondence.
I requested in multiple letters ( XXXX 2016 and XXXX 2016 ) to Experian to validate and provide me documentation that proves that the information that they are reporting and sharing is accurate. They have never provide me with the information requested yet noted that the information on my report was verified.
If you refer to complaint XXXX received by you on XX/XX/XXXX, you will see that money was wired from XXXX XXXX from my account to a fraudulent account at Capital one. The funds were subsequently frozen on XX/XX/XXXX and I have not received any funds back or can even be given an amount of funds or when they will be returned. Can not not get any correspondence from Capital One on this matter at all.
I, XXXX XXXX, received a collection notice from Credit Collection Services. The creditor named is XXXX XXXX. The amount of the debt is {$1300.00}. I do not owe XXXX XXXX. I simply switched to XXXX upon renewal as I simply could not afford XXXX XXXX after they increased my rate XXXX %. As a consumer, I have the right to cancel insurance and switch to a more affordable policy. 

Now, XXXX XXXX is threatening to destroy my credit. I am disputing the validity of this debt and will be seeking legal counsel. I have attempted communication with Credit Collection Services but all they 're interested in is collecting money as the are a debt collector. There 's no concern for the consumer.
I had a fraudulent account from XXXX reporting on my credit report that did not belong to me. I filed a CFPB complaint XXXX/XXXX/16, to which I got a response. I also filed a complaint with the credit bureaus. I was notified, via the CFPB response that XXXX will cease and desist all communication, and stop trying to collect the debt. They also said it was to be removed from my credit file. Which, it WAS removed from my credit file, however, it has been re-inserted AFTER being removed.
XXXX-2018 I submitted a complaint and this has been removed from my credit profile and consumer credit reporting agencies. This is not my account. But USAA has shared my info again with another credit collection agency and I am being called repeatedly. I told the man calling me I could prove I am not on this loan and do not call me anymore he stated that this would not do me any good. I WANT THIS TO STOP! USAA NEEDS TO REMOVE ME PERMANENTLY AND NOT SHARE MY INFO AGAIN I DO NOT WANT THEM TO HAVE MY INFO!
Hi my mortgage with Bank of America, loan number XXXX, property is XXXX XXXX XXXX, XXXX XXXX NJ XXXX. I was discharged in a Chapter XXXX bk XX/XX/XXXX, the mortgage was included in the bankruptsy. The bank was to stop reporting the XXXX bk was dismissed. I shortsold the home for them after many attempts to modify the mortgage XX/XX/XXXX. XXXX issues XXXX the bank admits they was to stop reporting the mortgage XX/XX/XXXX, however continued to report until XX/XX/XXXX, they need to correct that with the credit vendors, they are well aware of this as they admitted it to me on the phone, yet have not corrected. Second issue is they have the home as a foreclosure in XX/XX/XXXX? It was not it was discharged in a bk XX/XX/XXXX, it shortsold through their shortsale dept in XX/XX/XXXX. This is damaging my credit as they have incorrectly reported it. I lost my job through the financial meltdown and had to do what I had to do. However due to their errors in not reporting the facts on my credit they are continuing to hurt my credit and cause me harm. I want it corrected immediately. I do n't want calls from them telling me they are working on it, I want it corrected. Its their fiduciary responsibility to report the affore mentioned events correctly and they need to be held accountable and get it right! 

Sincerely, XXXX XXXX XXXX
Applied onlin e at AdvanceAmerica   XXXX / XXXX / 2017  Approved - ema il stated Voice call w ould be necessary to complete transaction Did not accept voice calls Received Email stating Funds were to be deposited on  XXXX / XXXX / 2017  Funds NOT deposited however I still maintain an outstanding bill Emailed company back - have had no response, yet account still shows open ( simple call to be the bank and they could verify funds WERE NOT deposited )
I join a mystery shoppers evaluation company that allowed me to go shopping and evaluate stores and banks but I have learned that the company was using another company 's name and payroll to pay us the money and when the other company learned of this stopped the checks putting me in an awkward place with the funds because I had already put the check in my bank and withdraw the money to make the transitions I were told to make. This putting me negative with my bank.. please help and get the money back for my bank so they want think bad of me, I was scam n this company needs to be put on notice. It 's service XXXX and XXXX XXXX XXXX .... 
XXXX and XXXX
Ref ID # XXXX XXXX XXXX XXXX sold my original debt of {$4900.00} to Credence Resource Management LLC, after their fees the balance was {$5100.00}. I have contacted CRM, by phone and in writing, asking for them to provide me with updated invoices after making a payments. I also asked to make a payment plan and was advised they do not offer payment plans. I called today to get my balance. They confirmed I made a total of {$510.00} towards my debit but {$4900.00} is still due. I was never advised of an on going interest rate. I once again asked for an invoice and interest amount and the rep ignore my question and kept asking for me to resolve the balance.
I applied for and was approved for a payday loan with 3 lenders over the last 7 months trying to pay each one off only getting myself further into debt. I have paid the principal amount back plus some interest but the payments do not stop and I am financially unable to keep up. I was not aware these high interest loans were illegal in Pa.
I have tried several times to cancel my Bank of America, XXXX XXXX XXXX, Visa card. After I click the button to tell them I want to cancel but not because of lost or stolen card, they transfer me to another line which tells me either they are very busy and to call back or they give me the option to choose a call back from them within a certain amount of time. I never receive a call back. 
I think this is an attempt to prevent me from cancelling the card and that I will get tired of the run around and forget about cancelling the card.
I tried to pay my bill and was informed that my CC was closed unknown to me due to " fraudulent activity '', what was really happening is that Capital One was saying the money from payments was on my CC when it was n't taken out of my bank yet and my bank would reject Capital One so it would then be taken back from the card thusly resulting in an overdraft. Either way they " closed '' my account on the XXXX of XXXX without informing me prior, I called and wanted to know what was going on and they could n't and or would n't tell me anything. I had deposited {$400.00} to start this card and paid off what was owed back down to a balance of {$400.00}. I was told by over 8 different Capital One representatives including supervisors that the remaining {$400.00} would be taken from the deposit and everything would be settled and I would not have to call again, it would {$0.00} out my account and reflect accordingly on my credit. The {$400.00} was supposed to be put on towards the balance 5 business day 's after they closed my account so that would of been the XXXX of XXXX. I spoke to a supervisor on Monday the XXXX who informed me of this thusly and stated " you will not have to call back it will be taken care of automatically '', I waited until Friday the XXXX to check and make sure it had been done, it had not. I called again and talked to another representative who told me " it will be done tomorrow and by Monday it will have a {$0.00} balance ''. I waited till Monday the XXXX with no movement yet again on my account. I called the following morning ( Tuesday the XXXX ) their time and was told yet again, be patient it will get done, all while nothing is happening.
Some one had stole my identity and got electric service in my name i filed a complaint with the company they investigated and found out it was identify theft and removed it from my account.
Citizen One XXXX placed an hard inquiry on my credit XXXX XXXX XXXX. This action was fraudulent because I did not seek them out for an auto loan on XXXX XXXX, 2016. I did not sign any Citizen One papers requesting an auto loan. My credit score has been reduced due to this action and I was denied a {$30000.00} loan as the result of this fraudulent action.
I have inquires on my credit report that I did not ask for anyone to check my credit. I need for the hard inquires to be removed from my credit report which is making my credit score go down. Please remove the credit inquires to be removed from my credit report. I did not ask for anyone to check my credit for me. This hard inquires has been happening for the last two years. Please remove the hard inquires on my credit report and do not let anyone else check my credit unless I am notified
Citizens One home loans the mortgage company. I 'm am trying to assume my mother loan I have Power of Attorney the lender said I could assume the loan. I been going to court for a year and they keep requesting the same things over and over again. So that is making the legal fee 's go higher and I been giving them every document that they are requesting Here are the dates of the RMA being sent to the lender attorney on first packet was sent on XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX, 1 ) Missing documents letters for documents that I have sent before.XX/XX/XXXX the lender was requesting Retirement benefits letter from provider, declaration page of homeowner insurance and Tax bill.2 ) XX/XX/XXXXMissing documents letters for Property taxes and homeowner insurance. other request from the lenders attorney Missing documents emails  XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,2/2/17,XX/XX/XXXX the mortgage lender attorney been requesting for pension letter, property taxes & homeowner insurance, contribution letter sign and dated, hardship letter sign and dated and also asking for power of attorney
I have opened a money market account and a realtionship checking account with them and the promotion code is XXXX XXXX- Promotion, XX/XX/XXXX, XXXX {$300.00}. where they agree to give me XXXX bonus as long as I put XXXX in their account and leave for 90 days. I follow their request and they refuse to give me bonus, claim that I need flyers to have that. However, it was a public offer that post online, and I have confirmed with banker for this as well, they keep that offer online even I tried to resolve the problem with them till XX/XX/XXXX. I am frustrated the bank service can't promise what they have to me. 

Go to the website, even now it is clear they still run this promo period to period. The requirement is exact the same. They just cheat with customer and tried to get our money, I am disappointed about commerce bank credit -- could not keep the word as they said on flyer. 
https : //www.commercebank.com/XXXX
Collection agency has falsely reported on my credit report.I had this same issue happen in 2015. The same creditor has referred account to another collection agency. All the circumstances are the same. I wrote my state dept. of consumer services and the suggested I contact you. I have also filed a dispute with the credit reporting agency and the collection agency. I would really appreciate some help. My credit score is severly lower due to this problem. This is such an assault to an individual both financially and emotionally.
Capital one card Wife had the card We got divorced She did not pay on time XX/XX/XXXX and XX/XX/XXXX Account # XXXX XXXX XXXX