WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax has placed on my credit file voluntarily dismissed chapter XXXX bankruptcies # XXXX, XXXX and XXXX. It is Equifax position a " Dismissed/Discharged Chapter XXXX Bankruptcy remains on the credit file for ten years from the date filed ''. Equifax needs to familiarize themselves with 15 U.S.C. s 1681c s 605 ( a ) ( 1 ) regarding the statue of limitations on bankruptcies. 

( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) no consumer reporting agency may make any report containing any of the following items of information. 

( 1 ) Cases Under title 11 or under the bankruptcy Act that, from the date of entry of the order of relief or date of adjudication, as the case may be, antedate the report by more that ten years.
Macy 's credit card did n't make any investigation on a dispute charge and add up late fees.
Ive recently pulled my Experian credit report and Notice accounts that have been investigated and deleted by another credit bureau are still being reported by Experian. THIS HAS GONE ON TOO LONG AND NEED TO BE FIXED ASAP. I have disputed these same accounts with XXXX  and no investigation was done, only remain on my credit report. Attached to this letter is proof that these accounts were deleted by XXXX and are no longer reporting. Please follow suite and delete these accounts for accurate reporting. They must be deleted in order to show my true credit history. The FAIT CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. 

As part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

PLEASE DELETE THE FOLLOWING ACCOUNTS : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX acct XXXX XXXX XXXX/XXXX XXXX  Acct # XXXX XXXX/XXXX  XXXX  Acct # XXXX
For the past several yrs.i have been receiving letters, and phone calls concerning a debt that i never owed, i have advised Credit Control LLC. each, and ever time when they call me i have no ideal what there talking about as to the mention debt, and to stop calling me, and sending me letters. but Credit Control LLC. continues to harass me.by sending letters, and calling my home a few times a week. i sent CREDIT CONTROL LLC a letter about a year ago, and another letter two months ago. advise them do not ever contact me again as to a debt that i never owed but CREDIT CONTROL LLC continues to harass me. the last call i received was on XXXX/XXXX/2016 last Friday. also when i sent out the two letters i advised CREDIT CONTROL LLC they are in violation of the fair debt collection practices act. pursuit to 15 USCA Section 1692c. but CREDIT CONTROL LLC continues to ignore my request.
This collection agency has a multitude of accounts they are trying to collect on. For this one in particular I never received anything giving me 30 days to dispute the validity of debt. I was under the impression the amounts they are claiming I owed were covered by my insurance company. On top of that it is my understanding that my medical information is not supposed to be released to a 3rd party without my permission and in the correspondence I 've received, it 's all come from a 3rd party, yet there is not a HIPPA release for with my signature giving anyone permission to release my information. I have great concerns about my information being in this collection agencies hands. They have already mailed with their correspondence other peoples information included with my information with detailed information about this person and their medical records. I also have yet to receive any promise to pay for any of these outstanding balances with this collection agency. I requested validation on a multitude of occassions and the responses do n't include anything showing that I am liable for these amounts and that I had any obligations to pay these outstanding balances.
I recently received a copy of my XXXX and XXXX credit report and I notice there is an unauthorized credit inquiry made by : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX, XXXX XXXX, XXXX, American Honda Financial XXXX XXXX XXXX XXXX XXXX XXXX, GA,XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Attn : Credit Bureau Dispute Resolution Unit CBDRU Mail Coded : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX, XXXX. 

I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. In addition, the creditor that provided documentation for credit inquiry to give authorization to review my credit worthiness. Did not provide an opportunity for me to clearly understand what I agreeing to. The credit inquirer 's authorization form was too complicated and not easily understood in language I would understood. I am requesting you initiate an investigation into : XXXX XXXX, XXXX XXXX  American Honda Financial, XXXX XXXX XXXX and XXXX XXXX XXXX inquiry to determine who requested this credit inquiry.
A company called Portfolio Recovery is incorrectly reporting XXXX  accounts on my credit report. I have never had any dealings or communication with this company so there is no reason for them to be reporting any unpaid debts on my credit report.
I am including a section of a recent report which shows how they are being reported to my credit.
The XXXX account is being reported for {$360.00} with an account number of " XXXX '' and an open date of XXXX 2016. The XXXX account is being reported for {$370.00} with an account number of " XXXX '' and an open date of XXXX 2016. The XXXX account is being reported for {$470.00} with an account number of " XXXX '' and an open date of XXXX 2016.
I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. This company has a 92 % negative rating with the Better Business Bureau. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Hi I have been searching for how to make a complaint on a branch with Citibank and this is all i could find.Citibank has no complaint line nor does its customer service take complaints and I called after our visit. I took my mother today to our local branch at XXXX and XXXX in XXXX XXXX XXXX and had the worst assistance which led to us leaving to go to another location and the branch manager telling us to leave his business and never come back. We have came here for my father 's account that is closed now because he passed away and my uncles that is in XXXX XXXX right now. He has had some issues with using his card in XXXX so my mother is his POA and withdraws money to send it XXXX XXXX for him. They were not as helpful as they could have been and the branch manager kept talking back to me as I was with my almost XXXX year old mother and baby of XXXX yrs. We have done over 4 transactions with this banking location for the same exact thing before and for more money. I have dealt with many bank institutions and never received this type of service anywhere. I hope to hear from you soon concerning this matter. Thank you for your time.
I had outstanding charges from XXXX for an unreturned cable box. That account is now in collections and shows on my credit report although I returned the cable box. I am requesting that the items from XXXX be removed from my credit report as they are not valid.
XXXX XXXX called me on XX/XX/19 at XXXX from XXXX. He left a voicemail for me to call another number and that they were going to serve me at my home or job if I didn't call them back to resolve this issue. When I called the number back he stated I owed a " XXXX XXXX '' a debt for an online loan. I advised him I don't know nor ever heard of that company so while he was talking I XXXX searched and found a lot of scam type responses. He became to get upset and tell me that if I did the same for XXXX I would find the same. He got even more upset when I said that is not true, as when I do XXXX their website and other things come up. He began to then shout at me was I going to listen to him or just go on about search results. I advised him that all I ask is that you send it to me in writing to validate and once that is done we can go from there. He got even more upset and started stating that they have sent it to me and it comes back undeliverable. I stated well it sound like you guys may not have the right person and wanting me to pay for something I don't have in writing is crazy. As I was stating that he started shouting " oh my XXXX '' and " are you going to listen ''. Because I continued to talk he said " good bye sir '' and hung up. All I want is something in writing so I can further investigate and if it is determined this is something I owe then I will settle.
I have had a Coinbase/XXXX account for approximately 8 months now, as of XX/XX/XXXX my XXXX account was locked with the message " Attention required! Trading functionality has been temporarily suspended on your XXXX account. In order to restore trading functionality, please contact XXXX " when i reached out to support via email or phone all i am being told is that a specialist has to unlock my account but no one can tell me exactly when that would be. I have read reddit and see i am not the only one having this problem, some people claiming to be waiting upwards of 60 days. I had asked for them to write me a check for the amount owed to me which is around {$6900.00}, I do n't have the exact amount due to not having access to my account. But was told nothing could be done till the specialist unlocked my account. Its going on a month that i am unable to withdraw my funds, i would think it would be borderline illegal to be doing so. Without making a valid attempt to retrieve my account and get my assets back into my possession! Please help
This is an update to case file XXXX. I had mistaken and was confused. I only applied for XXXX card and that 's the freedom. There were fraudulent transaction on it. The only valid charge is the first online charge for XXXX.
The people at Premium Asset Recovery are haraasing me about a debt my husband had prior to me meeting him. They 've called and threatened to contact my employer and insulted me, saying I should pay my bills every once in a while. This was something prior to our marriage that I was n't even aware of. In fact, this debt they 're saying he has is from XXXX years ago, before I even turned XXXX!
My current legal name is ; XXXX XXXX XXXX and my current occupation is ; XXXX XXXX XXXX XXXX XXXX.i would like to complain my credit score, because before XXXX/ XXXX/2017 and after my credit report is incorrect information and inaccuracy, But my credit score is over XXXX point, and I was requesting for disputing and reporting to the CRAs also I was lost over one hundred points of my credit score after all this, CRAs correct the information and remove items off my credit report .TransUnion they reinvestigation and disputed all the inaccuracies the account collection also, after investigations and disputes inaccuracy on my credit report I believe that Im an innocent victim of fraud also, but I would like to ask rescore and give my current score back I was lose a lot of points about the items is not belongs to me my credit report now is XXXX .i did call TransUnion to asking them to rescore their told me their dont know. Please I would like to ask for help rescore my credit scores.thank you
On XXXX/XXXX/2015 I contacted Chase Bank about my debit card being lost and asked them to cancel that card and I would go into a local branch here in XXXX and get a new one - which I did. While I was on the phone with them, the Representative asked if I recognized all the transactions. I told her there were XXXX I did not recognize, in addition, I had to XXXX more transactions which I had disputed previously, though I never received anything regarding the outcome of the claim. At that time she transferred me to the Claims Department and at that time they submitted a new claim with a total of XXXX charges ( see attached ) :XX/XX/2015 Experian $ XXXXXX/XX/2015 Experian $ XXXXXX/XX/2015 Experian $ XXXXXX/XX/2015 FormSwift $ XXXXXX/XX/2015 XXXXh $ XXXXI received the response that these charges were processed correctly and my claim was denied. 

I do n't care if they were processed correctly, they were not authorized. 

Please dispute the charges and return my money.
I requested all3 copies of my credit reports. When I received then there was multiple errors on all3. I called and corrected most of the information. Such as addresses.. Mispellings of babes.. Ss numbers that wet not mine. Etc. I also found an account that was not mine and got that deleted. The problem I 'm having. Is I have inquiries on my repirt that are still not mine. I contacted XXXX. XXXX and XXXX. Along with the actual companies and no-one is helping me. I know my rights as a consumer and sent proof of identity theft. I put several alerts on my credit reports and still this inquiries are there. These are the ones from XX/XX/XXXX to XX/XX/XXXX. I gave no permission for these to be on my report. According to the FCRA rules these must be andresponded back to me. Since the letter I sent wad only4 days apart. I know an investigation was not done. I plan on purchasing a home later this year and with all these on my report it shows that my credit worthiness is not good and a sign of financial trouble. that is not fair to me because these are not my enquiries. I am submitting this report due to lack of Investigation on my hard inquiries  that were not done by me. I did not sign for anything. These are unfair practices by a credit reporting agency with no concern. For the credit worthiness of the consumer
The rules of my check account require that I have a {$5000.00} balance in an attached savings account to avoid a checking fee of $ XXXX/month. For a reason I can't recall, I took some money out of the account causing a drop of about {$200.00} below the requirement. After a couple of months I realized the error and replaced enough money to go above $ 5k by a small amount. Because I did this in the middle of the term, another {$15.00} fee was assessed, dropping me below $ 5k slightly. I was not aware of this, and I was assessed {$15.00} for a few months more. After talking with my branch manager I got two fees returned ( {$30.00} ) but a few days later  another fee was assessed. So I have been charged over {$100.00} in service fees at this point. I do not believe I have received {$100.00} in service, rather, this kind of process benefits the bank only. I realize that if I had made it a habit of looking at my monthly statement I would have discovered this sooner, but it is my intent to leave the attached savings alone. I don't know why I took funds from that account, but my complaint is that the band should notify a customer who is being charged a " fee '' in this situation. They have the ability to personalize any email and postal mail they wish in their advertising. This is a cash flow opportunity, not a service which benefits me.
A dismissed bankruptcy listed on my credit report with Equifax.According to their policy ( EQUIFAX ) They report bankruptcies for 7 to 10 years.The fair credit reporting act mentions nothing in section 1681c relating to bankruptcy about dismissals or filings.The law states from date of adjudication or date of order of relief.
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law.Therefore Equifax has no right to maintain information which the government deemed nonexistent.
Therefore pursuant to section 1681 ( a ) ( 5 ) of the FCRA, Equifax must delete this information from my credit file.
( See attached letter previously sent to Equifax )
XXXX XXXX is taking me to court over a supposed credit card debt that, I do n't recall signing for. I have sent three letters to XXXX XXXX asking to show proof bearing my signature of a such loan with their company with not response. Next I sent another letter asking them to show proof of my signature on anything agreeing to open an account with them with no results. Now I am being taken to court with no discovery of such debt nor information of such a debt paid for by them or bought with an act of sale with care credit. Not sure how they are authorized because in the disclosure it states the binding agreement is with Care credit, I have disputed this bill and the amount. XXXX XXXX is not a bank or credit lender and not authorized to file such a suit from the state of Delaware. The company or attorney 's are in XXXX XXXX an not authorized to practice law for the state of Delaware. I want all actions of lawsuit to cease and stop. I want to file suit against XXXX XXXX for false discovery an not providing proper sale of such said item not bearing my signature of any money owed to them what so ever the attorney 's office is XXXX XXXX XXXX XXXX XXXX. Or XXXX, XXXX XXXX XXXX. XXXX XXXX Louisiana, non licensed to practice for the state of Delaware. Telephone number XXXX -- XXXX.
Columbia Collections company is still reporting my accounts as OPEN on my credit reports when in fact they are closed and should be deleted from credit reports per Chapter XXXX bankruptcy.Despite a request to Columbia Collections ( XXXX 2016 ) and several disputes requests with all three credit bureaus ( XXXX, XXXX & XXXX ), the accounts still show as open.
A bank account with TCF Bank had a hold placed upon it on XXXX XXXX, a hold that was placed as a request to " close '' the account was processed. 
Subsequently two more checks were deposited into the account because the close never went through, on XXXX XXXX and XXXX XXXX. 
TCF instructed the complainant to submit a notarized, overnight-ed letter with account information where the funds should be deposited. That letter was sent, and the funds were never transferred. 
The complainant then called TCF again on XXXX XXXX, and was told that they had mailed the check sending the funds for the XXXX XXXX deposit. That check arrived on XXXX XXXX. During the same conversation, was told they would cut and mail a new check immediately to transfer the funds from XXXX XXXX deposit. 
As of today ( XXXX XXXX ) that check was not received. XXXX ( XXXX XXXX ) TCF was called again, and said they were unsure whether or not a check had been mailed ( although more than 10 business days had passed ). Was told to pay for another notarized letter to be sent to TCF, at which point they can cut him a check for the remaining funds. 
It has now been 28 days since TCF has held onto complainant 's funds.
I recently applied for a refinance loan through my local credit union and was denied because XXXX-XXXX card reported last year that they closed an account of mine in XXXX due to bankruptcy. I had a bankruptcy fully discharged in XXXX. Now this report looks like I have a bankruptcy in XXXX thus impacting by credit and ability to borrow money. I also contact XXXX directly because this only reported like this late last year and never showed like this beforehand.
I had been receiving silent, nuisance calls from this agency for weeks. When I called back I learned that they are attempting to collect a debt for XXXX XXXX XXXX, a community college I attended which misrepresented information regarding my student financial aid award, now resulting in a balance due to their internal failed process, inaccuracies and practices. I informed ConServe that I do not owe the debt and that I have a complaint pending with the FL DOE and am in the process of going through litigation regarding this alleged debt. I demanded that they cease and desist in the meantime, and advised them to return the debt to the college since I do not owe it and would not discuss the matter further with ConServe. I was abruptly informed that they would in fact continue to pursue me for the debt until I paid. I was then badgered for a further XXXX minutes in an attempt to bully me into paying the debt which I do not owe. Immediately following the call I sent a written Cease and Desist letter and mailed it off to their address found on their website. Since that time I have not received any further calls, however my spouse is now receiving the silent calls and my mother-in-law has sent me letters in the mail which they have mailed to her home addressed to me. As I have explained to ConServe, I will not hesitate to pursue legal action for failure to act in accordance with the FDCPA and applicable federal and local laws. This school yard bully tactics and unlawful collection practices is becoming a nightmare to me and my family.
The collection agency and the rep holding my account ( XXXX ) refuse to disclose the verification of the debt. I reached out to the original creditor who confirmed that the information on file is incorrect. When I call, the operator says XXXX is away from his desk and no one else can help me with my account. This has been going on since XX/XX/XXXX. My initial contact was XX/XX/XXXX.
I keep getting harassed by a company called Sunbelt Credit ( XXXX ) for debt that I have absolutely NO affiliation with whatsoever. On numerous occasions, I have spoken with the Manager who states that he is removing my number ( XXXX XXXX # XXXX ) but never does as the calls persist. They have no right to continue to bombard me with an issue to which I have absolutely nothing to do with whatsoever!
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
I have been a member of Golden One Credit Union, I was looking for a good credit card so I talked to a local representative about their XXXX  card. I was told that it was a fixed APR at 10 % as long as I am a member. I recently received a letter telling me that they were changing to a flexible rate ... I did not want that new I want what was promised me when I applied for. The closed out my card ... I want my card at the rate promised when I applied ...