WillisBack/dataset-financial-user-claim huggingface dataset:
I returned the car at the end of my lease. A charger that came along with the car was returned later to the nearest dealership. Toyota wants to charge me a ridiculous {$950.00} for forgetting to return the charger. They did n't even call me about the charger. As soon as I noticed it lying in my garage, I went to the nearest Toyota dealership to return.
XXXX Credit report XXXX. After several tries to get the XXXX XXXX XXXX XXXX ) late history removed from my credit file, they still give me the run around that they have investigated and that all is correct. I am NOT saying that it is not correct, I am saying that it has been SEVEN years since the FIRST late payment in a chain of late payments were done. The lay specifies " The seven year period starts from the date the account became late and was never again current. If you have an account and it was reported 30 days late today, seven years from today the late payment would be deleted ''. I have enclosed the Equifax and XXXX files so that you can see that the late payments started in XXXX 2009. I request that this be removed now and a new credit report be sent to me.
Sent via mail on XXXX/XXXX/XXXX a letter to XXXX along with a check payment stating upon cashing my check payment they would agree to remove all late payments from all three credit bureaus ( Equifax, XXXX  XXXX ) immediately. My check was cashed on XXXX/XXXX/XXXX and the late payments remain on the account they have not been removed yet. Per the agreement these should be removed from all three credit bureaus. I have will attach a copy of the letter and copy of check along with a snip it from my bank showing it was cashed.
Ford Motor Credit ( FMC ) wrote me in response to CFPB complaint XXXX. Their letter states that they have not reported my XXXX payment as late. See where I have highlighted on page XXXX of FMC response " Please know the XXXX 2014 payment was NOT reported as delinquent as the payoff was received before the the payment went 30 days past due ''. 
The XXXX 2014 payment is showing as 30 days late on XXXX, and XXXX. I have attempted to resolve with the credit reporting agencies. Their response is always that FMC has confirmed the information is correct. I have contacted FMC directly and they have stated they will not change anything because it is reported correctly. I even offered to send FMC the letter they wrote. They said this would not help. I have been going back and forth with this for over 8 months to no avail. 

Some XXXX help please!
I was promised numerous times by representives from XXXX XXXX that they would remove XXXX XXXX from my credit reports because I never received or ordered any items from XXXX XXXX. I have been promised XXXX XXXX would remove this since XXXX and it is yet to be removed
I Understand that both your old and new servicers must notify you about the transfer of your servicing rights no less than 15 days before the effective date of transfer. 
Although the transfer letter was dated XXXX XXXX, 2015, it was NOT delivered to my home until XXXX XXXX, 2015. The transfer date expressed in the letter is XXXX XXXX, 2015. That is less than 15 days!
Previously I filed complaints against XXXX XXXX and Bank of America on XX/XX/18. There was a filibuster between the two institutions and {$400.00} of my funds were placed on hold and there was the threat I would never receive them back at no faul of mine. There was a transaction error between the two banking institutions, XXXX  called from XXXX and got BOA on the phone and a verbal approval was given to release the funds to me. This morning BOA closed the dispute file with an adverse action action me. 

This Morning XXXX XXXX from called to collect the money back and said she was a debt collector. I told her I was recording the call. The problem had been fixed and I had my {$40000.00} back. 

Today when I called XXXX to fix the adverse statements against me he said he wanted to pull public records to fix the inaccuracies. Then he told me he could help me. 

Bank of America is a MESS, They don't know what they are doing and their polices and procedure are made up on the spot and adverse to consumers. They are out of order someone truly needs to get in their and find out what's going on. I spend 8 to 10 hours working out problems they unfairly create and this has been a hardship on me. I'm a senior collection XXXX XXXX. XXXX and XXXX, I would like to have my financial records were ever they are to be accurately reported, Thank you!
My credit report shows two accounts that belonged to my parents, not me. The first is called " XXXX XXXX ( Closed ), '' which was opened on XX/XX/XXXX, when I was XXXX XXXX XXXX. The second is " Barclays Bank Delaware ( Closed ), '' which was opened XX/XX/XXXX.
The Bankruptcy Judge stated that my house issue needed to be handled in my county 's superior court. In XX/XX/XXXX, I dismissed my Chapter XXXX case where the only debt in question was my home. The Bankruptcy Judge refunded the leftover of the alleged mortgage payments that I paid to the Bankruptcy Trustee back to me once XXXX was paid. The Bankruptcy Judge did not allow XXXX cent to be paid to Chase because Chase did not prove ownership of the alleged mortgage. XXXX got money because XXXX proved ownership of my car. 

In XXXX XXXX Court, I lost part of my Quiet Title litigation because I had a bad attorney who later got disbarred XX/XX/XXXX by the Georgia Bar. Given the urgency of time to file an appeal, I filed my appeal pro se with the Court of Appeals and lost my appeal due to my little legal knowledge. 

In XX/XX/XXXX, even though I knew that Chase is not the rightful owner of my alleged mortgage, I initiated a loan modification because I got so tired of being in limbo with my house. For many weeks thereafter, Chase lost documents that I faxed and I re-fax, then Chase demanded new ones. 

In XX/XX/XXXX, numerous Chase representatives told me that all documents needed for the Chase underwriter was received and complete. For weeks, XXXX XXXX, the Chase Customer Service Rep and XXXX XXXX, Chase 's Executive response team, asked me to write a letter without justification and not related to any of the documents that I submitted to Chase. I asked both to please put the new requirement in writing so I better understand what is needed. 

For over 6 weeks, I asked repeatedly by phone and fax for clarification from Chase to state the new requirement and was told that the requirement remains verbal. XXXX XXXX and XXXX XXXX told me that there is no way to generate a letter stating Chase 's new requirement. In XX/XX/XXXX, Profit and Loss statements that were shown complete since late XX/XX/XXXX in Chase 's correspondences now show incomplete. My request for an explanation has been ignored for weeks. 

I went to an event in XX/XX/XXXX and met an attorney who stated that all Chase has done so far, is Chase 's process before foreclosing on a house. He said that Chase has no intention of doing a loan modification and that Chase will continue to frustrate me by asking for irrelevant documentation through verbal instructions. Verbal instructions gives Chase the opportunity to claim that I did not submit required documents and that the verbal instructions documents that I submitted were not requested. 

In almost 3 weeks, I stated that I will be recording conversations with Chase especially since my last conversation with XXXX XXXX was a shouting match. XXXX XXXX and XXXX XXXX has not called me since then. The last correspondence from Chase states a XX/XX/XXXX due date showing Profit and Loss that were shown complete in XX/XX/XXXX, now incomplete AND no explanation from Chase as to what got the already complete Profit and Loss to be incomplete. 
I faxed numerous letters to ask for clarification and got silence. HELP! 
I look forward to your assistance.
My transfer has not been available as promised according to my receipt since the XXXX of this month. I filed a complaint with money gram today since the receiver could not again pickup the transfer and XXXX XXXX from money gram wrote stating it was placed on hold without my consent. Online reference number XXXX. So I filed another complaint Online reference number XXXX.
I notified XXXX XXXX XXXX : regular tod that my Father has passed away so I contacted them to close the account and send me the check since I am the sole beneficiary to this account, I was told by XXXX XXXX XXXX that I would have to send them the death certificate a long with notarized statement claiming that I am his Daughter and that I am the sole beneficiary to this account, so I did and I also requested that once the death certificate was scanned to return it to me, that was on XX/XX/XXXX so when I called again to check on the returning of the certificate on XX/XX/2018 they told me they sent it back so when I asked what address did they send it to it  was an address that I am not familiar with, so I stated I wanted to speak to a supervisor and I wanted to know how is it possible with all of the hurdles that they having me to jump thru to close this account, that a Major Bank can send my Fathers and my personal confidential information to someone that is not associated with me at all. They have violated not only my privacy as well as my Father so explain to me how you plan on correct this violation of privacy act, and I want to be compensated for any occurrences that have happen and in the future, with the threats and hacking my private information has been sent to a stranger and who's to say what could happen because of it, I also want to be reimbursed for the lost certificate I have to pay XXXX for each one I have to order.
*** This is not a Duplicate ***My mortgage company lack of security allowed my tenant ( XXXX XXXX ) to compromise my account and cause harm to me and my credit. She was able to gain authorization over my account and changed the contact information and went delinquent. I was n't notified because the contact information was changed. This was all done without my awareness or consent to account XXXX and XXXX on XXXX XXXX XXXX. I have taken actions to correct my part, but I need to have the harm caused to me removed from my credit file. 

I have sent the following proofs of fraud on my account to Experian and they responded with ; that they will not block the subject submitted from my credit file. 

Compromising my account and taking actions as if they were me is a clear case of fraud, and according to the FCRA, fraud should not be reported. 
Attached : - XXXX police reports by my tenant- XXXX court cases of my taking legal actions to correct my situation- a forfeit letter written by my tenant. ( if you see the phone number on the letter, it 's my tenants cell phone number ) - XXXX letters of me escalating to my mortgage company to correct my account and also to secure my account ( XXXX have been a failure )
I have late payments that need to be removed per XXXX XXXX and it's still showing on my XXXX XXXX accounts ending in XXXX and XXXX my letter is dated XX/XX/2018 and stated would be removed with in 60 days.
I disputed an account with Equifax concerning an authorized user account in which I was deleted off of with XXXX but Equifax continued to report after I contacted them by phone and U.S. Mail. I checked my credit report and noticed that there are now charge offs being noted for every single month up to and including XXXX 2015. These insertions were not there before the dispute but they are now. The weird thing is that the authorized user account Equifax seemed to have verified does not match the reporting of the Account Holder. The authorized user account is reporting much more negatively and I believe Equifax did this out of spite because I disputed the account. I am not an authorized user on this account. Equifax needs to remember that authorized user accounts are NOT responsible for the account ; they ca n't order new cards, request statements, etc. Equifax is in violation of falsely verifying this account and continuing to report it. If they verified with XXXX XXXX they would n't have been able to since I am completely deleted off as an authorized user and have been for over a year but yet Equifax continues to update and add more negative information each time it is disputed.
I reviewed my Trans Union credit history this year and saw there is an account reported as previously-delinquent by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). There is no balance reporting as the account was transferred, and it has been more than 7 years since the date of original delinquency. However, it continues to remain on my credit history since apparently XXXX XXXX XXXX  reported no date of original delinquency. 
I have attempted to dispute the account with TransUnion and it continues to come back as accurate, with no changes. TransUnion has a responsibility to make a reasonable investigation into these disputes, yet instead just updates the same missing/inaccurate information. I have no idea how Trans Union accepts verification of an account which is missing any reported date of original delinquency. So, instead of dropping off my report in the allotted time like it 's supposed to, it remains reporting.
I made a payment for my auto loan on XXXX XXXX according to my normal payment schedule. I was involved in an auto accident on XXXX XXXX and my car was deemed a total loss. A claim was filed with my car insurance company that same night and I was contact by a claims representative a few days later to conference call with Chase Auto Finance to obtain payoff information. My insurance company XXXX paid their portion of the loan ( {$6000.00} ) in a check dated XXXX which posted to my account on XXXX XXXX. My GAP insurance carrier paid their portion of the outstanding balance ( {$1800.00} ) in a check dated XXXX which posted to my account on XXXX XXXX. I then received a notice in the mail stating that Chase had submitted negative information to my and my wife 's credit bureaus. So I contacted Chase on XXXX to find out what had happened and was told that my account was over 60 days past due for a balance of {$14.00}. I had received no correspondence from Chase of any remaining balance due on my account as the proceeds from my auto insurance and GAP insurance should have covered the entire outstanding balance. However due to delays in submission of the paperwork by Chase to XXXX including the Letter of Guarantee ( XXXX needed to ask for this to be sent at least 3 times before they could have a check issued ) additional interest/fees had accrued so this was not the case.
XX/XX/XXXX I requested a modification from Owen on my mortgage due to miss-payments based on illness XX/XX/XXXX Letter of Default date from Owen ( {$1300.00} ) was created and sent to me XX/XX/XXXX Modification on Owen sight read denied. 

XX/XX/XXXX Spoke with Relationship Manager, XXXX XXXX and requested a repayment plan to catch up arrears and it was also denied. 

While I have been trying to work out a repayment plan with Owen, they continue to engage in " Dual Tracking '' in an attempt to take my home. '' Home value : {$310000.00} ( BASED ON NEXT DOOR SALE OF XX/XX/XXXX Amount owed : {$90000.00} Amount pass due : $ {$1300.00} XXXX XXXX XXXX no XXXX XXXX XXXX
I dispute the loan being that I have no knowledge of this loan, the company here in XXXX TN closed down, the account is closed, and that this has been on my credit report for 7 years as of XXXX XXXX, XXXX. When I disputed the company I never received a letter or any form of communication explaining the debt.
XXXX XXXX XXXX  has reported me to all all 3 reporting bureaus as latepayments were made and XXXX never updated.
On XXXX XXXX, 2016, I deposited an old payroll check via ATM teller ... I found the XXXX XXXX XXXX payroll check within my storage unit. Since there was no expiration date on it, I decided to collect my unpaid funds. After Bank of America cashed it and they later performed a charge-back on my account : XXXX XXXX XXXX XXXX XXXX ) due to the issue date. I was also charged a fee of {$12.00} due to the date of the check by Bank of America. 

I am requesting the amount of the XXXX XXXX XXXX XXXX check in the amount of {$170.00} refunded back into my Bank of America account as well as, the {$12.00} fee taken out of my bank account balance. 

*I can be reached via the following information below regarding my bank account complaint : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
On XXXX/XXXX/2016 I submitted a notarized affidavit of fraudulent transaction to Wells Fargo for charges that I never made or authorized. Wells Fargo allege they did an investigation and said no fraud occurred despite XXXX letters from myself stating such and the fact that the bank the money they said the money was forward to I do not have an account. I have forward a police report, notarized affidavit through the FTC, and they refuse to adhere to the Consumer Protection Act and the Fair Credit Reporting Act under the FTC. In XXXX certified letters and XXXX phone conversation to Wells Fargo Unit I have requested the full account information so that I may complete the police report to seek charges against the suspect ( s ). To date all correspondents state I can have all information included in their investigation upon request ; however, to date Wells Fargo has refused to provided me any the information which they say but has to date refuse to provide and in fact in phone conversation has stated they can not give me that information of my account activity. To date Wells Fargo has never initiated a call or any communication with with me for any details or facts of the theft. All actions, reports and follow-up have been by me trying to get the matter resolved and the information of the suspect to seek criminal charges. In XXXX of my calls the Wells Fargo Fraud to follow up on if their was any investigation being done, the representative did ask me if I had an account with Bank XXXX XXXX ending with XXXX. I told them I nor any authorize user have a checking or saving accounts with Bank XXXX XXXX. To be sure no account was fraudulent opened or existed in my name, I contacted Bank XXXX XXXX and forward the information to Wells Fargo Fraud Unit of the Bank XXXX XXXX Fraud representative I spoke to that there are no accounts in my name and that they can not identify the owner of the account without the full account number. Wells Fargo either is trying to make me pay for their mistake or they are trying to aid the suspect in their fraud efforts but in doing so they are in violation of the consumer protection act and Fair Credit Reposting Act by keeping the fraudulent charges on my credit and not correcting the fraudulent charge after being notified within the stated time frame.
I sent three ( 3 ) similar letters to all three credit bureaus, XXXX, XXXX and Transunion. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. On my letters it list the accounts. However, I the only thing I have received back was a letter stating verified which is unacceptable. Despite three written request, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 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. ''
Originally I filed a complaint under case number XXXX concerning the sale of a credit card debt from Wells Fargo Bank to XXXX XXXX XXXX. There were XXXX basic issues in that complaint. 1 ) I had never received an accounting of how the balance was determined ; and 2 ) the fact that Wells Fargo had issued me a check in the amount of {$300.00} dated XXXX/XXXX/XXXX for an administrative error which was questioned. 
After the complaint was filed, Wells Fargo did provide documentation of the balance which I am satisfied with. However, they have never explained where the administrative error check came from or how the amount was determined. Since then I contacted XXXX XXXX of Wells Fargo who had sent the balance information. He called on XXXX/XXXX/XXXX but could not explain the administrative error check and provided the name XXXX XXXX who would call me back. XXXX XXXX called later that day. She stated it was not an administrative error but an inconvenience payment. After several questions she could not answer why the payment was made or how the amount was determined. She said she would call back after she spoke with the XXXX XXXX XXXX. I have attached a letter from myself and documents from Wells Fargo.