WillisBack/dataset-financial-user-claim huggingface dataset:
I XXXX XXXX make a claim to each credit reporting agency ; i.e., XXXX, Trans Union and XXXX, as a subscriber to your companies to report adequately is in serious violation. As you can see, there are two bureaus showing XX/XX/XXXX as the first reported 30-day late payment, and XXXX showing XX/XX/XXXX. Realistically the late payments started in XX/XX/XXXX, but XXXX XXXX XXXX has cut off two years of payment history to re-age the credit trade line, which is a serious concern to the Federal Trade Commission. The charge of {$3400.00} was from an overage on mileage on a vehicle lease. The timeline to file a civil action has passed, and the federal guidelines, and the 7-year rule applies as the first reported late shows over the legal time limit. As stated in the Fair Credit Reporting Act : ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. [ Emphasis added. ] I desire an updated credit report showing a full reinvestigation of the account at the beginning of this credit dispute. I am well within my rights requesting this reinvestigation under the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act and the Fair Debt Collection Practices Act. I anticipate a full re-investigative credit report within 30 days. 
ITEMS MAY HAVE SURPASSED LEGAL TIMELINE TO MAINTAIN ON RECORD Case in point, if a credit card payment was late 84 months ago, and since that time the credit card was paid in full, settled for less than full balance, or charged off by a federally insured bank as mandated under Federal Deposit Insurance Corporation Rule 5000,  applicability of applying a charge off standard to debt service, then the creditor must report the true payment history on the credit trade line for a minimum of 84-months. The Federal Trade Commission has levied fines and penalties against creditors for using a re-aging process totally in violation of the Fair Credit Reporting Act guidelines. 
Re-aging of debts have been used by the Internal Revenue Service by re-issuing federal tax liens with a new fining number when the 10-year rule timeline was running out. It is used by creditors as a means of stalling or delaying ones credit rating, simply by cutting off several years of previous payment histories. 
Accordingly, XXXX XXXX XXXX XXXX is in violation to their subscriber agreement with each credit bureau and must delete the referenced account credit trade line permanently.
In 2013, my home went into foreclosure. After months of mediation and court hearings, a company contacted me and told me that if I sent {$2000.00} to Trial Period Management, the foreclosure process would cease and after the trial period, the mortgage would be modified and reinstated. I sent the money. The cashier 's check was deposited into a XXXX XXXX account where it was cashed. 
I was forcefully removed from my home and would like my money back.
A collection company named, XXXX XXXX XXXX , XXXX, ( XXXX ) owned and operated by D, Scott Carruthers has violated my rights under the Fair Debt Collection Practice Act ( FDCPA ) by attempting to collect a debt outside the statute of limitation for collection. XXXX also filed a collection lawsuit for the debt, which was outside of the statute of limitations of four years in this state. The debt was with a company called XXXX, which went delinquent and into collections in XX/XX/XXXX, and was Charged off by as a bad debt at the time. XXXX XXXX XXXX bought the debt for pennies on the dollar in XXXX and are attempting to illegally collect a debt outside the statute of limitation, and trying to collect XXXX times the original amount ( {$3800.00} ), which according to the FDCPA is also illegal. XXXX XXXX XXXX started their tirade back in XXXX XXXX by calling my job and threatening me on numerous occasions, until I demanded their office stop calling my workplace. XXXX XXXX XXXX and D. Scott Carruthers has threatened me, harassed me and are now filing an illegal lawsuit for collection of a debt that according to federal law is an illegal attempt to collect. Furthermore, XXXX XXXX XXXX has knowingly acted outside the law and have no respect for it, because Carruthers and XXXX XXXX XXXX never formerly served on the lawsuit in accordance with the law. XXXX 's sole purpose is to bottom feed by taking advantage of folks that were subject to financial misfortune during the housing market crash in XXXX, which I was a part of. I am asking that Mountain Lion Acquisitions, and D. Scott Carruthers be held accountable for their illegal acts, and everything they filed with the courts be rescinded, and they remove the Judgment notice XXXX 's and D. Scott Carruthers reported to my credit reports, which was filed erroneously, and was outside the statute of limitations for collection. Additional, XXXX XXXX XXXX , XXXX and D. Scott Carruthers lawsuit and reporting to my credit report has caused me not to be able to secure a personal loan of {$50000.00} as of XXXX XXXX, because of their erroneous reporting to my credit report. A Financial Representative from the company I applied to specifically asked me about the judgment, which was reported as of XXXX XXXX, which I was not aware of until then. furthermore, XXXX and D, Scott Carruthers filed a lawsuit without properly notifying me of the lawsuit, which again is against the law. Your assistance in this matter is greatly appreciated. Thank you.
I have disputed the late payments on this XXXX XXXX XXXX   XXXX account for months. XXXX and XXXX   have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix  this ASAP please Im looking to purchase a home.
In XX/XX/2014, I and my daughter went to XXXX to try the practice. A staff suggests my daughter to sign half year membership. He told us that if my daughter did not like the practice, we can cancel the membership any time. The staff filled the form and just let me sign the contract. The staff did not mention that he had checked auto renew on the contract. I did not notice the auto renew was check either.  After two month try, my daughter get hurt XXXX when jumping around in the facility. XXXX I had talked to the manager and want to cancel the membership. I had browsed to the XXXX web site to let message want to cancel the membership. The manager had told me because we had signed half year member ship, we cannot cancel the membership. After half year, our membership will be terminated automatically. 
Because my daughter got hurt every time went there, she could not go to the XXXX since XX/XX/2014. She only went there for two month, but our credit card was charged for six month. After six month for safety reason we cancel the credit card. But XXXX still keeps charging us.  When I went to the facility ask the manager, he told me this contract will auto renew. Now they want to charge us for extra XXXX.
Equifax/ I am requesting proof that " XXXX XXXX '' have permission to look at my credit report.
On XX/XX/XXXX I went to XXXX 's to purchase a coat for my son. I used the NetSpend card to make the purchase. I went back to order another coat and, although I used my pin number, NetSpend put a hild on my account which has ALL of my spending money/direct deposit from my job on it. I called them on XX/XX/XXXX and they said that the account will be unlocked in the next six business hours.I then called them on XX/XX/XXXX, after six business hours and they tell me that they are still investigating the account. Everytime I call they put me on hild never to pick up again. I am a single mom and I have no money for food, gas, or for important bills that I have to pay. Currently i am STILL on hold waiting for another agent to pick up. this is VERY frustrating. They have {$640.00} of my money on hold and will not tell me what 's happening with my money.
Equifax fails to remove the XXXX XXXX XXXX XXXX account. Equifax reports incorrectly the date of first delinquency for removal. Equifax reports incorrectly that this account is scheduled to continue on my report past the statutory limits of the other major CRA 's even though I received a XXXX XXXX XXXX XXXX Cancellation of Debt from XXXX. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
On XXXX/XXXX/XXXX I opened up an account at the US bank XXXX location when opening the account the branch manager XXXX helped set me up an account I was asked for my current proof of address I showed her my temporary valid Oregon driver 's license & a decree from the court for my name change she said that was okay & proceed to open up my account & everything was okay until 2 days later on XXXX/XXXX/XXXX I missed a call from the bank I returned the call & got transferred to the branch manager XXXX she then told me to bring in a proof of address I told her that my id has my current mailing address on it she told me to bring in a document after I had already showed her proof when opening my account the same day I brought in the document at her request XXXX/XXXX/XXXX I got another call from the bank manager asking me to bring in another document that has my name & proof of address again I told XXXX that I have already gave her several documents of my personal information & that its difficult for me to come in to bring in documents being that I have a XXXX & do not have access to a computer at that time she went on to tell me I have to bring in what she has asked for because my account will have a hold on it on XXXX/XXXX/XXXX I bring in the documents that XXXX asked for the very next day she made it difficult for me to use more then a XXXX for daily purchase 's & I tried using my atm card on XXXX/XXXX/XXXX & it would not let me access my funds I asked can I come into the bank & withdraw small amounts of my money per day until all is taking out she told me she has to order the money from the bank & that it would take 1 week I am being profiled with my own money I have tried calling district manager 's & other managers from other locations & still no one can help me no one has called me I look into this matter yet I also have proof that I emailed the bank manager XXXX & she never sent me a reply & the message was sent successfully Thank You.
On XX/XX/XXXX I sent a certified letter to Exeter requesting proof of " written authorization '' by me with my signature to pull my credit. Exeter only responded I submitted an application for credit on XX/XX/XXXX, however failed to produce said signed application as requested. Thus I am assuming they have to such documentation and do not have written authorization from me to themselves to run my credit and are in violation of the FCRA by failing to do so. According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written instruction ''. According to this FTC advisory opinion Exeter is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my credit report or be provided proof I have given " written instructions ' to pull my credit. By providing me a copy the alleged application on XX/XX/XXXX. https : //www.ftc.gov/XXXX
I have a debt collection for medical expenses that are not mine. I have no knowledge of the company reporting this derogatory account. I did not authorize these services nor do I recall this event.
Company claims to have a courier company to send me legal documents and are trying to serve me with papers. They are stating that I owe them XXXX. A man named XXXX XXXX from XXXX XXXX is calling me stating that I have to appear in court.
XXXX held my loan, I applied for deferred payment for several years and had requested information concerning forgiveness through my employment at a non profit hospital. XXXX refused to help and never disclosed the information about forgiveness through my employment. I applied for a VA loan with my veteran husband in XX/XX/2018. I was told I needed proof of my student loan repayment and was told to reapply for my income driven repayment plan. It was also suggested by my mortgage broker to apply for the nonprofit employment forgiveness program in which I did. I received a letter stating I was being processed for this program and assumed XXXX would contact me about further developments on my applications. I received emails from XXXX when my income driven application was received and when it was approved. I moved into my new home in XX/XX/2018. During my move I did not receive any further correspondence with XXXX. Then in XXXX I received a bill forwarded from my old address from XXXX. I had never heard of this company nor been notified about changes in my loan account. I called and spoke with a representative and questioned what was happening as I was sent a bill for an {$800.00} payment and a message that stated I missed the income driven repayment deadline. I was told XXXX sold my account and did not forward any income driven application or information of my application from XX/XX/2018. I have sent numerous emails and called XXXX. XXXX has not responded to any of my emails requesting they validate my application from XXXX so XXXX knows I applied then. My last phone conversation with a XXXX Representative I was told the {$800.00} bill would be removed from my billing and the new application was accepted with them for a {$120.00} payment. I received another email requesting the {$800.00} and a message stating my credit report would be marked negatively by this inability to pay the amount of the first bill they sent. I can not pay the {$800.00}. I have been treated unfairly by XXXX and XXXX. I will continue to persue help with this as I have done nothing wrong and been diligent in taking care to apply for income driven repayment as I am on a fixed budget. Please help me resolve this. I had XXXX  XXXX and was on FMLA from  XXXX XXXX XXXX and unable to fully deal with this stressful situation due to my medical issues. I would like to file a formal complaint against XXXX with student loan.gov for not informing me of the opportunity to apply for and receive forgiveness by working for a nonprofit hospital and not forwarding my application for income driven repayment I submitted to them XX/XX/2018. I need XXXX to correct my account and not make it out to be my fault Navient didnt send all my application information to XXXX.
On XXXX/XXXX/2016, I sent Experian a dispute regarding XXXX account # XXXX, along with documentation showing a judgment in my favor on that account ( See Experian Dispute XXXX, XXXX ). Experian listed the account as " Updated - A change was made to this item ; review this report to view the change. If ownership of the item was disputed, then it was verified as belonging to you. '' and failed to delete the inaccurate account. ( See Experian Response XXXX ). 

I sent a second dispute on XXXX/XXXX/2016 ( See Experian Dispute XXXX ). In its XXXX/XXXX/2016 response, Experian refused to reinvestigate the dispute, stating that " the credit grantor has verified its accuracy '' and that " we will not reinvestigate the same dispute again at this time. '' ( See Experian Response XXXX ). 

Experian failed to provide any details or documentation of its communication with XXXX or of any independent investigation. Additionally, Experian failed to explain why it is relying on the creditor 's " verification '' over a court order of judgment in my favor. I would note that XXXX responded to the same dispute by immediately and properly removing the account from my credit file.
My current mortgage does not appear on my report for  XXXX  agencies and shows an incorrect balance on the other. I have been trying to get this fixed FOREVER being met with extreme requests ( copies of my ID and full credit report ). I just need this account to SHOW UP!
Transunion is reporting wrong information in my credit report they are reporting and account that does not belong to me is from a collection company that is probably braking tha law also by reporting wrong information on people 's files to see if they can damage their credit without actually investigating if the account belongs to that particular consumer. 
The name of this collection company That I have never hear of is MONTEREY collection svc.
XXXX XXXX is reporting late payments for a credit card I am not responsible for which is significantly negatively impacting my credit score making it near impossible to purchase a home. I am listed as an authorized user on an account opened by my Mother during high school that is in a payment program with Citi Bank / Citi Card. I ( the authorized user ) have no responsibility for this account, have never had any communication with Citi Card about the account, nor have I signed any agreements with Citi Card for the account. 

Myself and the primary card hold have made several attempts to have my name removed from the card without success. We have made several calls over the last several weeks with no success, at one point spending 3.5 hours on the phone being transferred around the various XXXX XXXX XXXX with all being unable to assist in a fairly routine action. We have also been given different information on how to remedy the situation, receiving at least ( 4 ) different fax # 's to send the request for removal. 

At this point we have not contact with the department apparently authorized to complete the requested action and have not choice but to continue sending faxes and calling various divisions at Citi Card to hope for removal.
Hyundai XXXX continues to falsely report my credit to the companies, which is resulting in inaccurate reporting. I have reported this issue with XXXX and Hyundai, yet the false reporting continues. Every customer service representative that I have spoken to has confirmed that I have never been late on my auto draft payment. The accused late payment is XX/XX/XXXX. This account was reported up to date until XX/XX/XXXX or XX/XX/XXXX ( depending on the company being reported to ). This error has taken my credit score down significantly and Hyundai refuses to fix their error, as do the credit bureaus. I have sent proof of payment in the form of a PDF showing the payment was withdrawn from my banking account on time and that Hyundai posted it to their site on time, too. None of this has seemed to matter. I will attach this evidence here once again.
Received a escrow overage letter from my lender stating that my new payment would be less. 
I made the new payment in XXXX not realizing the adjusted payment was taking effect in XXXX. 
I paid the shortage ( {$70.00} ) but by then the lender had reported that I was thirty days late. 
Now it shows on my credit report as if I had not made a payment for over thirty days when in fact I had made a payment on time, just with the new amount.
Capital one is reporting me with late payments and that card belongs to my dad. 
XXXX XXXX is reporting 2 credit cards with late payments and those cards belong to my dad
XXXX has been non-compliant with removing the unverified account GMFNANCIAL which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that GMFNANCIAL was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Date Opened : XX/XX/XXXX Account Name : APPLIED BANK Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$860.00} Balance Updated XXXX XXXX, XXXX Credit Limit {$350.00} My identity was stolen 14 years ago but till this day they still apply for credit cards, car loans, personal loans, they even stole my mail from my mailbox thats how they were able to get the credit card from my mail then make payments for some time, thats why when you do your investigation everything matches, because they stole my mail, i haven't use my credit for over 10 years because of this identity theft i was XXXX when that happened, i don't even have anything to proof that this is not my account even if payments were maid, because they had bank accounts under my name, more then 10 years I'm trying to clean my credit report. thank you for understating please remove this negative account from my credit report because this doesn't belong to me.
I checked my credit on Experian. I notice a XXXXXXXX XXXX  card for XXXX which I never opened I found the account was used in Florida. I reside in New Jersey. My information was used fraudulently. I filed a dispute they refused to take it off my report.
In XX/XX/2017 a credit card was opened in my name by my ex spouse. I did not give her authorization to do that. After finding out about the credit card a couple of months later she told me that she would pay the money back and contact Navy Federal and let them know that I did not open this account. Ive tried disputing this account to no avail. This account has a tremendous impact on my credit report and its unfair that Im deemed ineligible for things due to an account that I never opened. I would like for Navy Federal to get this account removed off of my credit report as well as contact my ex spouse and put this on her credit report. Btw she has a bank account with this bank.
XXXX, XXXX reported to EquiFax in XXXX XXXX that my responsibility for the $ XXXX mortgage had been Discharged in XXXX XXXX. 
I sent EquiFax , along with XXXX and XXXX, the Re-Affirmation Agreement executed by XXXX XXXX XXXX, my husband XXXX XXXX and I to prove that the note was not Discharged. 
XXXX removed the XXXX, XXXX account from my credit file for violating FICA rules, but EquiFax , in this complaint, have allowed XXXX, XXXX to change the status of my account from Discharged, in Default, back to Discharged but Consumer Disputes this Information ; Re-Affirmed, Consumer Disputes this Information, Re-investigation in Process, to currently, Foreclosure proceedings in process. XXXX XXXX XXXX has only completed the Military Service not filed an Affidavit with the Registry of Deeds, such that Foreclosure process has not begun as yet. 
In each instance of a change to XXXX account status, EquiFax does not change the " Date Last Reported '' - it 's been XXXX/XXXX/XXXX for six years.
SCRA request made XX/XX/18 to XXXX that included my request, a copy of the service members XXXX, our address and name. I received a letter dtd XX/XX/18 again requesting a copy of the XXXX. I again emailed them to the company. I do not feel our request is being timely fulfilled. There has been no resolution to date.