WillisBack/dataset-financial-user-claim huggingface dataset:
Transunion removed  XXXX   XXXX  and then reinserted back on to my report on  XXXX   XXXX  in violation of federal law. The creditor failed to reply within 30 days. The debt was paid. Please remove  XXXX   XXXX  permanently from my report. Transunion incorrectly marked it as an update in violation of federal law.   XXXX    XXXX   deleted  XXXX   XXXX  also then reinserted in violation of federal law. The creditor failed to reply within 30 days.  XXXX  can not reinsert that creditor. I paid the debt. Please remove it.
I submitted the {$2.00} or {$3.00} required by the XXXX XXXX online and have a printed receipt from last XXXX or XX/XX/XXXX. The credit reports from XXXX and Equifax indicate I am on the opt out list until the end of XX/XX/XXXX. I sent a letter with proof of payment above and copies of the opt out prescreen and XXXX XXXX letters and I don't want any marketing or use of my reports for anymore junk mail from the credit bureaus. They need to update my legal request and I should not have to prove to them again of my opt out prescreen choices or XXXX XXXX that I paid to have my name removed for 10 years! Please follow up with them for everyone who pays to stop junk mail. Thank you! 

2. After all these years, Equifax has my wrong birthdate year. I sent them proof last month, clearly stated on driver 's license and they list it wrong. I am sending proof again XX/XX/XXXX. Fix this immediately please!
I bought my first home in XXXX after the home financial crisis and received an incentive from the government, XXXX dollars. I never knew or read the fine print about this help so I was happy and confident that I didn't owe anything besides the actual amount I owed for my home going from XXXX to XXXX in 9 years. Now in XXXX I refinanced my home with XXXX XXXX and with my home equity I paid XXXX dollars of my car and XXXX in credit cards debt. But XXXX XXXX found out that I also had to pay the government back those XXXX I never knew I owed. I never knew this incentive to buy the first time home around XXXX HAD TO BE PAID BACK ANYTIME I wanted to refinance or sell, etc. I thought this money would be forgiven after some time, let 's say 5 years. After 9 years I HAD TO PAY BACK XXXX dollars to the government. I do not think this is fair. 
I have my mortgage with XXXX XXXX XXXX  and neither the bank nor XXXX XXXX   know anything about this incentive and the way it works. 
I hope I can have an answer about this issue. 
Thanks.
I would like to write this complaint so that other folks out there are very aware of what this Bank is doing so wrong so they can stop doing it and get it together. Recently without previous notice, I got all my account frozen with Bank of America. Not only that but the worst thing is that I realized when I was going to put gas before Hurricane Irma hit my state of Florida. I could n't believe this Bank can do something like this. I went straight to one of their branches on XXXX XXXX, 2017 and they blame it on the fact that I changed my immigration status. I summited all the documentation they required and still today XX/XX/XXXX I have my accounts frozen. Not only that, but some of their local branches are closed as well.Also, I have XXXX XXXX and I realized that they for some reason pulled up my credit score when I have been with them for 6 years, this caused my credit score to drop. But to top it off after 5 days and after the hurricane passed I am still with my accounts frozen, so get it together Bank of America. And for the people reading this BE AWARE I did n't believe what the mega Munsters Banks could do but I am going through the hustle now and it 's not fun. The bank should be here to serve us better and not make us go through situations like this one.
In XXXX 2016 I reviewed my credit report and noticed an account from Procollect , Inc that I did not recall or recognized. They claim that I owe them {$1900.00}. Therefore I sent a validation letter on XXXX XXXX, 2016 requesting additional information on the account they claim I owe them. On XXXX XXXX, 2016 I received a response from Procollect, Inc. however they did not provide payment information, actual balance and date of delinquency.
I got an email from Discover Card that said my credit line increased to XXXX ( from I beleive XXXX ), but it also stipulated that my account would canceled if I did n't use the card by XXXX 2016 ... just three months from the email date ... because I have n't used the card for a few months and it has a XXXX balance. So they do they something to improve my credit by increasing the limit and then threaten to cancel that credit if I do n't use it. That 's a form of extortion. I saved the email and can send it to you.
Equifax refuses to provide paper documents to prove that the United States Bankruptcy Court for the XXXX XXXX of NC is reporting bankruptcy number XXXX is indeed being reported to Equifax. This involves a dismissed chapter XXXX bankruptcy. I have noted to Equifax that I have spoken with the Clerk of the Bankruptcy Court and they are no reporting this bankruptcy any longer, however Equifax refuses to remove it. XXXX and XXXX have removed the bankruptcy and are no longer reporting it.
I have filed XXXX to Transunion, XXXX & XXXX XXXX have XXXX XXXX XXXX off my credit report alone with the address XXXX XXXX XXXX XXXX La XXXX which XXXX XXXX, there is fraud alerts placed on each bureau still no changes & it 's affecting me. Can you please investigate and have this removed from all XXXX credit bureaus.
Experian/ Experian National Consumer Assistance Center Re : Acct # XXXX On XX/XX/2019 I disputed an account reported by XXXX  XXXX XXXX in the file you maintain under my Social Security number. 

I was informed on XX/XX/2019 that the item was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification.
Experian and XXXX show in my credit report that a XXXX revolving credit card account is Open. That is wrong. The account is CLOSED. I have complained about this several times.
XXXX XXXX  on XX/XX/26.18 ran to Application ID : XXXX & XXXX with out my permission
On XX/XX/XXXX I submitted two applications with Chase Bank for XXXX branded credit cards. ( One business, one personal ). 
I read the terms and conditions which included XXXX XXXX points for as a welcome bonus for each card. After submitting the applications I received an email stating that my applications had been received. Chase then changed the terms and conditions and claimed that I did not meet the new terms and conditions for the welcome bonus. They suggested I submit proof showing my application was submitted on XX/XX/XXXX which I did ( I sent the emails I recieved from Chase with time stamps ). Chase then claimed my application came in over 24 hours later and says they have no record, and can not pull up the emails in question. They have advised me that I can get the cards without the welcome bonus. 
This is bait and switch and an unfair business practice. 

XX/XX/XXXX Submitted application First week of XXXX - called customer service twice XX/XX/XXXX Submitted proof of application date and time. Was told I would be contacted within 7 business days XX/XX/XXXX No response so I submitted another message asking when I would be contacted. Recieved another message saying I would be contacted in 7 business days XXXX Received message to call customer service XXXX Talked with customer service. Call escalated. Was told I would receive a call back. 
XXXX Received call. No resolution so call was was escalated. Told I'd receive call in 24-48 hours XXXX missed call from Chase. Called back immediately. Supervisor could not talk. 
XXXX spoke with Chase. Said they'd look into it an respond in 24-48 hours. 
XX/XX/XXXX Final call from Chase. No resolution offered. Claims there is no way to look up emails that were sent to me.
For nearly 2 years, one collection agency after another, harassed me by phone at irregular times with questionable business/collection practices. 

When I wrote back disputing the facts and offering to pay what was ( less than ) the fair amount owed, the agencies transferred collections repeatedly and continued to place inaccurate record on my credit. 

they repeatedly did not answer to my fair, final settlement to pay and settle and totally stopped communications this year. IC systems have been less than fair when it comes to my end of the negotiation and writing to settle. 

copies of my effort to communicate, offer to settle for fair actual amounts owed were in vain, and are available for review, if needed. 

please help me get this monkey off my back and restore my credit. 

thank you.
I received a voicemail from a Mr. XXXX / XXXX on XX/XX/2019 to call him back, however, he did not leave his name on that call only a number. I did return is his call to a number XXXX ( which I recorded the phone call ), the return call was to see if this was a legitimate call or not. However, Mr. XXXX/ XXXX was only interested in gathering personal information which is a violation of the Gramm-Leach-Bliley Act. I have received no written communications from his so-called " business '' and I do not have any bad debts. I asked Mr. XXXX/ XXXX several times on what this was concerning, however, all intentions were to gain personal information from me. Mr. XXXX/  XXXX using my full name as well as not giving me any details of the nature of the call or so-called " debt ''. Mr. XXXX/ XXXX only seemed in trying to gather personal information from me. As you will hear on the recording he said : " I speak clear English '' in order to gain my trust in giving him personal information. Just because he " speaks clear English '' does not automatically mean he is not violating my rights ( he is using deceptive tactics to try to deceive me ). Luckly I did not fall for it. After I called him out on being a scam he ended the call. I have attached the recording of the call in the next section.
On XXXX XXXX, 2016, I received a call from Zenco Collects at XXXX. He stated that I owed money and he was calling to collect. I told him that I was working in the field and I would call him back. He said no, I was n't taking him seriously, He said that he had our vehicle licenses and if I did not pay he would be issuing a warrant for our arrest. I stated that I needed to call my wife, he started yelling and said no, I had to pay up now or he would be garnishing my wages, and he would also be contacting the IRS and have my income tax return for the next 5 years. They said that they would be seizing our vehicles and other property. I panicked and at first agreed to pay, when I talked with my wife she stated that what they did was illegal and that number is associated to a scam. I called back and told XXXX XXXX not to take any money out of my account. I have no idea if that if this a valid debt or not, but this well exceeds the statue of limitations in the state of Texas.
My son went to the XXXX XXXX XXXX XXXX sometime this year. The hospital been sending him a bills saying that he owes them {$240.00}. After not getting a response from my son about this debt, they then sent it to the collection company Focus Recover Solutions to see if they could collect the money owed. Focused Recovery Solutions did not contacted me about this debt to see whether it belongs to me or my son because we have the same name. Instead the went ahead and place this debt on both of our credit report. I contacted the collection agency to let them know that I did not owe this money and that the debt belongs to my son. I also contacted the hospital about the debt and they also stated that this debt does not belong to me and that I should contact the collection agency again. I have contacted the collection agency 5 time already to see if we can resolve this issue.The collection agency states that they have already notify the all three credit reporting agency to have this item remove from my credit profile. XXXX and XXXX removed the item but XXXX will not remove the item and insisted that the item belongs to me. I have repeatedly disputed this item but XXXX  still say that the item belongs to me. I even try to get the collection agency on the phone with XXXX, but the representative from XXXX say she ca n't speak to third parties and will not take the information from the representative from collection agency with the control number showing that they already send the request back in XXXX XXXX to have this Item remove.I have also asked Focused Recovery Solution to send me a letter stating that this item belong to my son and that they have request removal of this item, but i did not get that request full fill. I again contact the billing department at the hospital and they stated that they will have the collection agency send me a letter showing that they corrected the mistake, still no letter. I did not go to the hospital and I do n't owe them the {$240.00} that is placed on my report. I need this Item remove from my credit report immediately.
Ally financial was a debt that was disputed through XXXX XXXX received notification that the debt was removed I call the credit bureaus and they stated the debt was updated and remains on the report and has a collection agency now calling harassing me of a debt I do not have a contract with this collection agency
Equifax refuses to report and remove foreclosure correctly. My original loan through XXXX XXXX went into foreclosure. The loan was sold/transferred to XXXX. Where the foreclosure was finalized. The XXXX XXXX is due to fall off my reports as a foreclosure XXXX 2016. Equifax states they will continue to report XXXX account, even though it is the same loan and same foreclosure. I just want the XXXX account to be treated as the XXXX XXXX and be removed by XXXX 2016, 7 years from the first payment delinquency.
Asked for a Mtg Modification. Was offered a {$200.00} per month reduction but they wanted to add 20 years to the end of the current payoff date.
I have been the victim of identity theft several times in the past I have a new identity theft alert on my credit and I have a credit lock placed. There are three medical collections on my credit report that are not mine and were not originated by me. They are the following : 1 ) XXXX XXXX XXXX  Acct # XXXX  2 ) XXXX   Acct # XXXX 3 ) XXXX  Acct # XXXX
I have asked DCI Credit Services to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
I initially called to apply for an Equity Line of Credit modification loan only on XX/XX/2016 and was then encouraged to include a modification on my Home Mortgage loan as well. I was hesitant because I was ok with my Home Motgage due to my getting an HARP adjustment 2 years prior but the loan officer assured me that I had nothing to lose because I could possibly get a reduction on both loans by filling out just one form. It was then explained on XX/XX/XXXX, that I could be approved for one loan or the other, both loans or none at all as to the possible loan outcomes. At that point in my submitting my application, it was not mentioned that one loan could be contingent upon the other if approved for both. I later received a confirmation that I was appoved for both loans in XX/XX/2016. I reviewed the Equity line of credit loan that I was appoved for and had liked the reduced interest rate granted which lowered my payments. I then examined the modification on the Home Mortgage and found that it was not good. It did not lower my interest at all but had simply extended my payments period for another 10 plus years. As a senior citizen, I'd found that the Home modification was more detramental than helpful. Hence, I immediately called to accept the modification terms on the Equity line of credit, and to decline the Home mortgage modification because it would hurt me in the long run. It was then and only then ( XX/XX/2016 ), that I was told for the first time that both loans were contingent upon the other to be accepted. I felt this was unfair, based on the fact that I was not disclosed this type of outcome before I submitted my initial application, else I would have proceeded with just the Equity modification as I initially requested. Again, the option of both loans being contingent upon the other was not disclosed which smells of foul play by the WF Bank establishment. I later opened an investigation complaint with WF, who then noted that my original call was to indeed seek a modification on my Equity line of credit only, and that I was then offered to include the Home Mortgage modification later on the call. WF also noted that they do not disclose the possibilty of having the loans be contingent upon each other and openly stated that it was there right not to disclose the contingency clause or outcome and felt it was there choice even if it lead to an unfair outcome. I again affirm that the first time that I was told that the loans would be contingent upon each other was after I filed the application and not before. It was further reviewed with me when I tried to accept the Equity line of Credit over the Home Mortgage loan modification. account XXXX and XXXX. I will attach two letters below. The First letter was in regards to my refuting the statements made in the first investigation letter that I then sent to the WF CEO XXXX XXXX. In this letter I highlighted key inaccuracies in Red Ink which were in the investigation letter which smelled of a cover up. The 2nd letter was admitted that they did not disclose the contingency outcome with both loans being approved.
I had a Kohls charge card account. I called them in XX/XX/XXXX to ask them what my balance was so I could pay it off in full as I was going to be working abroad for a few months. I paid off the amount they provided to me, but turns out while I was away, there was an unpaid balance of {$20.00} which with interest and all had gotten to XXXX . I tried to explain the situation and also requested transcripts of the call which I had to show that they had assured me that there was no balance but they refused to do so.
My checking account was defrauded out of $ {$950.00} out of a fraudulent company .Golden 1 told me They are. It responsible for the loss since I invertly gave them my account number.
I cancelled my bank account with CITIBANK in XXXX 2015 and I 've already called them XXXX times to get a check with the balance of my account at the time of closure. So far no result and the process is in a loop. In every call they offer cancelling the previous check supposedly issued and reissue a new one. Every call takes more than XXXX minutes and they ask for my personal data over and over again. Two months after I still do n't have my money.
I try uploading documents on Experian website and it would not upload pdf files so I can remove a delinquency from child support that should not be on my credit report. I have a letterhead from child support asking them to remove this account from my credit report. I was told by child support this letterhead document from child support should remove this delinquency from my report right away. Experian is reporting account XXXX as a collection and also that I owe {$870.00}. This account is not in a collection account and I owe {$0.00}. I want Experian to remove this account right away base on the evidence I uploaded to this complaint and also fix their website so it can upload pdf files as they stated on Experian website dispute. Report Number XXXX
In a letter from Vice President XXXX XXXX he stated that his company did not receive my certified mail. Attached is the letter from VP XXXX XXXX and the confirmation from USPS confirmation of delivery. In the letter he also stated that my phone number and email matched. In general if someone used a person 's information that information would match. I am shocked that the VP XXXX XXXX would make that statement to verify an account. The statement and the proof of delivery that I provided shows that the VP XXXX XXXX did not do a accurate investigation or that he will lie to not do a proper investigation to close a case. So I ask did VP XXXX XXXX lie in his letter to avoid not responding in the 30 days and in this case the 9 months. Did my letter get tossed in the garbage like many by VP XXXX XXXX. The law states 30 days and I 'm sure VP XXXX XXXX saw this and noticed it 's been 9 months. So I ask VP XXXX XXXX where is the certified letter, I provided supporting documents. Once again the letter VP XXXX XXXX submitted is a LIE.
I went to apply for a line of credit from XXXX XXXX and I was denied because of derogatory credit that is not mine. Its a credit card issued by Target having a partial account # of XXXX in the amount of approximately {$540.00}. My purse was stolen out of my car on XX/XX/XXXX. Case # XXXX My best guess is that my info was used from this theft to secure this credit card from Target. Please help me remove this from my credit reports.
I applied for a loan and discovered that my credit scores at all three credit reporting agencies had dropped significantly. Upon further research I discovered that XXXX had listed a XXXX account had the status of charge off/collections. This was incorrect. I had closed my XXXX account and had paid the balance at that time. I received no notices from XXXX that there was a balance due or that the account was not in good standing. 

I called XXXX and they refused to speak with me about it. I filed complaints through each of the credit bureaus. At that point, a XXXX customer service rep did speak with me. She told me she had no information as to why it was listed as collections/charge-off and that the bill had been paid. She had a letter sent to me showing the account ( XXXX ) was paid in full. 

However, my credit score is still low with all three bureaus as XXXX has kept that status as collection/charge-off. I have attached a copy of the information I have from Transunion for the XXXX account, showing that I had previously disputed the information. The " Payment Status '' is listed as " Collection/Charge-off '' and the " Remarks '' section shows " payment after charge-off/collection ''. That is false. The account was paid in full when it was closed. 

The cost of the loan over the 30 year period was increased between {$30000.00} - {$60000.00} due to the inaccurate credit reporting, so I have been harmed. XXXX needs to deleted the trade lines with all three credit bureaus, or I will be forced to file suit to force them to delete the trade lines and recover the monetary damage they have caused me.