WillisBack/dataset-financial-user-claim huggingface dataset:
I returned a lease ( XXXX XXXX ) XX/XX/XXXX, the car was sold at auction XX/XX/XXXX in XXXX. The plates were never returned to XXXX by the XXXX XXXX dealership, when the car was sold it appears the plates were still with/on the car. XX/XX/XXXX, I received a parking ticket for the vehicle that I have not owned for 3 years. After contacting the leasing company they issued me a letter stating the above so the court ( XXXX, NJ ) would dismiss the ticket. Separately I contacted XXXX via their Customer Advocacy Office in XXXX, requesting them to mark the plates as lost. They declined indicating I was no longer listed as the owner ( even though the plates are still in my name ) and that request has to come from Infiniti/Nissan. After weeks of back and forth calls with Infiniti/Nissan, they said they will only provide the previous letter issued and advised I should report the plates as stolen. Technically the car was not stolen, but the license plates are being used illegally. I was told Infiniti/Finance checked with their legal department and declined my request, I asked to speak with someone in that department and was told they would not speak with me. I spoke with an attorney and she advised filing a formal complaint as Infiniti is clearly at fault for not returning the plates, or catching that they were still on the vehicle when it was sent for auction. As this was my first lease I did not know that I was responsible for returning the plates since the plates were sent to the dealership upon my purchase of the vehicle. Infiniti finance has closed the door on assisting, when all XXXX is requesting is one sentence be added to their letter. I even checked with the local police department to see if they can assist and they advised it was the responsibility of Infiniti to work this out with XXXX.
I submitted a formal dispute with XXXX, Equifax and XXXX   on XX/XX/2018 via certified mail. In this dispute I informed all of them that they were reporting unverified incorrect data on the credit file they possess under my name. I also reminded them that they are bound by the Fair Credit Reporting Act to report only true and verified data. As per FCRA laws, they are required to have a copy of the creditors ORIGINAL documentation ( a consumer contract with my signature on it ), on file, to verify the information being furnished is true and correct. I requested XXXX, Equifax and XXXX to provide me with copies of ALL documentation associated with this account entitled to me in accordance with FCRA Section 609 ( a ) ( 1 ) ( A ). I also requested all three agencies to provide me with the method of verification as per Section 611 ( a ) ( 7 ). I stated that in the absence of any such documentation they permanently DELETE the inaccurate unverified account on my file. The companies responded to me that they have " verified this account belongs to you ''. Equifax, XXXX and XXXX  did NOT provide any information that i requested. No documentation was provided to me at all, they also provided no method of verification. This is AGAINST THE LAW and in clear violation of my rights. I demand XXXX, Equifax and XXXX be held liable for reporting false invalidated information. To date, the account 'XXXX & XXXX, XXXX XXXX, XXXX XXXX , LA XXXX ' remains on my credit file and I want this account permanently deleted IMMEDIATELY as it is inhibiting my right to good credit.
Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, SSN, or DOB in order to appear in your credit file. Equifax is the only main Credit Bureau that is still not in compliance with the law. I called on several occasions trying to address the issue, but I was just given the run around. Attached to this complaint is proof of the other XXXX main Credit Bureau 's removing the non compliant public record from my file. I work XXXX jobs and take care of my mother, I do not have the time or energy to keep going back and forth with Equifax about this matter that needs to be resolved so that I can move forward with getting my finances in order for me to start my own business so that I can spend more time with my Mom. I 'm truly grateful for companies like CFPB for giving everyday people like myself a voice. I really hope that this matter gets resolved so that I can get back to my life.
XXXX transactions from the same retailer were pending and then voided by the retailer. The retailer never received the funds. Almost a week later, American Express still has the funds blocked and held. After numerous phone calls to their customer care team, and being transferred to at least 9 individuals, they said there is nothing they can do and to contact the merchant. After contacting the merchant, they confirmed they do not have the funds and have released the hold back to American Express.
I have seen on my credit report that I have two collection actions from First Financial Resources, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX ( Ph : ( XXXX ) XXXX ). Both collections were purportedly opened on XXXX. 

I never received any notification from this creditor that I had a debt in collection, and I certainly never received notice that I could dispute the debt. These are both required under the FDCPA. I was also never given a chance to request documents on which they are relying on to prove I owe the debt, required under the Massachusetts Debt Collection Practices Act ( XXXX C.M.R. XXXX ). 

I acknowledge that the underlying debt ( from an ambulance service ) is properly associated with me. However, I understood this to be a matter for my medical insurance, and did not realize that payment would be sought from me. I dispute that I owe this debt at all. 

Furthermore, my credit report indicates that, except for XXXX months during the period XXXX - XXXX, the debt was in collection. However, the detailed information states that there has been " no data '' sent to the credit agencies for any month during this period.
XXXX XXXX CREDIT cards and XXXX  XXXX CAR LOAN Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX and they were aware. 


Account XXXX : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I was on chat and the representative agreed to delete my late payments per me being laid off during the times and my husband death. 

Car Loan : ACCOUNT NUMBER XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX Can you please contact all 3 credit bureaus to have this removed and a new report sent to me. 

Also on all three credit bureaus XXXX and XXXX reported me late on XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX but my loans were in deferment and forbearance they lost paperwork and per them failing to update previous info., they are in violation of Section 623 ( a ) 2 ) of the FCRA XXXX I have contacted them on 4 seperate occasions. I would like those late deleted. 

Also, I would like the original signed copy of every loan that is on my report if this can not be provided, remove all of all credit reports. 

Thus I am filing this with every credit bureau and need you assistance because the credit bureaus have ignored my request on 4 occasions and have failed to supply requested documents or verify within the 30 days time frame. 



Thank You
I am writing this letter to address a situation where my credit was diminished, ( I believe wrongfully ), as outlined below. 

I originally started with XXXX in XX/XX/XXXX. A couple of months later, my phone was stolen and since I did n't purchase insurance, I had to wait a couple of months to purchase a new phone. When I called XXXX to activate the new phone, the representative said that given my situation she felt I would be better off switching to a pre-paid plan. I was concerned about being charged an early termination fee, but she assured me that as long as I stayed with XXXX for the duration of the original contract, I would n't be charged a termination fee. I took her advice and did as she suggested. I remained a loyal XXXX pre-paid customer through XX/XX/XXXX. 

A look at my credit report lead me to find that they charged me a termination fee even though the XXXX representative said they would n't. I found that they sent it to a collections agency ( Enhanced Recovery Company ). I 've spoken to representatives at Enhanced Recovery, who told me to get XXXX to send this information. In XXXX and in XXXX XXXX different XXXX supervisors acknowledged their mistake, and promised that their XXXX Team would contact me so I could get this information to Enhanced Recovery, and get it off my credit report. Their XXXX XXXX failed to contact me both times, but this time I recorded the conversation with them. In this recording ( XX/XX/XXXX ), the Supervisor acknowledges that the previous Supervisor ( from our XXXX conversation ) sent a letter to their XXXX Team indicating that I should NOT have been charged and early termination fee because their Representative did not enter such fee into my new agreement. 

I 've sent letters to both XXXX and Enhance Recovery Company, but nothing has been done to clear up my credit. I 'm a XXXX veteran who really needs help getting this problem fixed. Please help me. If you are unable, please tell me who ( in your agency ) can help.
I signed two school loans for my son totaling {$9500.00} with WellsFargo. I have been paying this loan since XX/XX/XXXX, first was paying {$100.00} a month for one year, then since XX/XX/XXXX have been paying {$200.00} a month. Up till now, this loan has a balance of {$7000.00}. 
I have asked Wellsfargo about seven times now to tell me what my rate is and why this loan is not yet repaid. They have verbally agreed but when they send me information, it does not contain the rate. I had been to one of their closest branches and had the bank representative call and speak to loans department and they promised before me and the representatives that they will send me the information required but when they send, it does not contain the rate. all it says, is applied {$28.00} dollars or {$26.00} dollars. One of the representatives once told me that they were not allowed to disclose the rate am paying. 
I think this is another big fraud going on. By my calculation, I should have finished paying this loan long ago. XXXX is on another Fraud and  is trying a cover up. 
Since I cant file a law suit against them, the common man needs consumer protection to demand and protect my right.
Please be advised over the past 4 months I have filed 4 complaints and this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below 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. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. PLEASE DELETE THE XXXX XXXX  ACCOUNT OF {$310.00} FROM MY CREDIT FILE IMMEDIATELY.
I was denied fair access to credit. I applied to refinance my mortgage. I was attempting to finance my home at a lower interest rate. Green Tree declined my application. The reason for the declination a was 1 ) unable to verify employment and 2 ) insufficient data to determine manual harp eligibility. It is interesting to note that I provided current paystubs and XXXX forms from my employer of 20 years. Access tax returns were also provided. It is curious to note that when I applied to refinance my home with XXXX XXXX XXXX, my employment was verified and I was found eligible to participate in the HARP program. I believe that Green Tree has systematically denied mortgage refinance applications to prevent borrowers from refinancing to lower rates. Please see attached documentation showing the information that I provided to Green Tree and the rejection that I received from them following the application.
I have been trying to modify my mortgage payments for sometime now. I XXXX started the process with a firm that later turned out to be fraud. They would charge people and then they disappeared with everyones money. I later found some other lady to whom I explained by situation and said she would help me. She started helping me but then stopped answering my phone calls. I went to look for her and that is where I found out she had been put in jail for a reason I did not know. I then found an organization called NACA. They have been helping me through this complicated process. I have been up to date sending the bank all the papers they request from me. They have denied my loan modification and we have appealed to their decision. Once again they denied my modification but they NEVER give me or the people helping me from NACA a legitimate reason as to why I am getting denied.
I have never lived in XXXX and there is an address that is incorrect on my credit report. I called the utility company that is claiming to take me to collections called XXXX and they have no accounts under my ss #. I called the credit agency XXXX credit systems and they said they have me in collections for utility bill with XXXX. They told me to file a police report. But when I check with utility company they have no record of an account in my name ever.
I made a rewards purchase of a set off XXXX pots using my HSBC credit card around XX/XX/18. I received the pots around XX/XX/18 and was unsatisfied so, I immediately contacted HSBC by  phone for an RMA. They said it would take two weeks for the RMA number to arrive in the mail. While waiting I order a different set of pots with my reward points. I was subsequently contacted by over five different agents asking the same questions over and over and refiling multiple claims but still no RMA as of XX/XX/18.
ONEMAIN  XXXX   XXXX   XXXX   XXXX , TX  XXXX  This address sent me an email stating I was denied a loan. I did not apply for any type of loan. Someone else has used my personal information to apply for a loan. I did not provide my personal information nor did I give permission to use my personal information to  any one. I 'm in the process in repairing my credit. I have a very low credit score and I know myself I can not get a loan any where, so I do not apply for any types of loans until I get my credit score higher.
I disputed an item on my experian credit because XXXX informed me that, based on my agreed terms with them, ones my collection account is XXXX on that day, XXXX, XXXX of the supervisors will inform credit bureaus to delete the collection. XXXX XXXX account was deleted from my account on XXXX, the XXXX. I logged in my experian membership account on XXXX2015 and found the account deleted completely. Some staff at experian put the account back on as paid, and closed on XXXX XXXX. I disputed the information as inaccurate with supporting documents from the merchant, requesting experian to delete the collection account. Experian staff threatened to block me from accessing my account if i kept calling them, Since then i could not access experian account or dispute any information on my report. I am currently denied my basic right to dispute a wrong information on my credit.I am only allowed to dispute over the phone. I am including a copy from the merchant authorizing account to be deleted and confirmed that they did contact the XXXX bureaus and was deleted. I did provide this documents to experian through online and fax.
I have a credit card with Chase Bank. I am paying off the balance I have accumulated and can not change the amount of my monthly Automatic Payments. Neither the XXXX customer service representatives, nor the Online Banking, allows me to adjust my monthly payment. I am locked in at a low-level payment called a " Blueprint Payment '' that does not allow me to choose my payment amount. Instead, their computer chooses my amount. I think it is this way so that the company can make more money on interest payments against my balance. As far as I 'm concerned this practice is fraud, plain and simple.
I wrote a check in the amount of XXXX, check number XXXX, on XXXX from my Capitalone 360 checking account. A deposit made on the same day in the amount of XXXX should have covered this check. However, the account was charged a finance charge on XXXX, after I wrote check and deposited it to my XXXX account. The finance charge appeared today, XXXX, in the amount of XXXX. Prior to this, a funds transfer in the amount of XXXX posted on or around XXXX, bringing account to a XXXX balance. The account was overdrawn for quite sometime and there was an overdraft line of credit in the amount of XXXX, it appears the line is now down to XXXX, according to reps spoken with today. Please note, I did not receive any notice overdraft line was closed and or brought to XXXX. The only notice I received advised me the account could not be used until its brought to a positive balance, it is currently XXXX positive. I need overdraft line reinstated and check paid with no overdraft fee to resolve this
I have been trying to get this situation corrected for a year now but no one in the XXXX 's credit card services department can help me. My first issue i brought to their attention was the fee 's i was assessed in XXXX through XXXX. On the XXXX 's website, i was only able to pull up my XXXX XXXX 2015 year end statement. This statement shows a continuous {$2.00} charge per month that i was unaware of. The statement also states that I was charged {$72.00} dollars for the entire XXXX calendar year. I have called customer service a million times trying to figure out why I kept getting charged and requested a full refund for all the fees related to this issue which I believe began in XXXX. I have yet to receive a refund or even an explanation that makes sense. My second issue which I believe occurred due to my first issue with the fees charged is the 30 day late reporting 's that are showing on my credit report in XXXX XXXX and XXXX XXXX. I have never missed a payment or made a late payments since the inception of this credit card. Furthermore, I have barely used my credit card that has only a XXXX dollar limit. These credit reporting 's are fraudulent and violate my rights under the Fair Credit Report Act. XXXX 's has charged me for fees that I have been unaware of and reported me late because of these fees. Please help me correct my credit report and receive a refund for all these miscellaneous fees that I have been erroneously charged.
I received a collection letter from First National Collection Bureau XXXX Inc for {$940.00} for creditor XXXX XXXX XXXX, original creditor XXXX XXXX Bank, N.A./. 
This is a false debt so i called them to dispute it. 
The first person I talked to claimed it was a credit card between XXXX and no other information was available. After a brief discussion I explained how this was not a valid debt ( the last credit card i owned was around XX/XX/XXXX ) and she said to send her that info in writing. I hung up and after doing some research on the company I found out they have an unsavory reputation preying on expired SOL ( statue of limitations ) debt. I called back hoping that I could stop any more badgering by pointing that out. The next person I talked to gave me more information about the account ( meaning the other person lied about no other information being available ) and told me that a SOL did not matter with their company. I told her that was inaccurate and that the FTC states one can not be sued for debt out side that SOL. She claimed that was innacurate information and they were a private entity. I asked her if her company was above the FTC. She said no but that info was wrong. Furthermore, she told me the account had been closed by the previous rep but she would reopen again it due to my verbal complaint which sounded like a threat! In the end they ended up being unprofessional, manipulative, and liars. I am sending them a cease and desist letter and I hope that is the last I hear from them.
I have had a Macy 's credit card account for a few years now. Upon moving from XXXX, my wife and I decided to open a joint account when buying some furniture in order to get a sign-up discount. 

Sometime in XXXX, Macy 's " upgraded '' their website, and the fact that I had multiple accounts linked to my name caused many issues with accessing my account. This included seeing my bill, in particular. In XXXX XXXX or XXXX XXXX, I bought some clothes on the individual account totaling XXXX or XXXX dollars. I was unable to log in and pay this amount off immediately ( what I normally do ) and ended up forgetting about it. It seems that Macy 's had an old address on file ( and either no email or they did n't try that method ), so I received no contact from them. 

I ended up learning that I owed this money when, in XXXX, XXXX XXXX notified me that my credit score had plummeted. That day, I investigated, and paid off the balance that I owed Macy 's. I believed that they were going to remove this information from my credit report ( in addition to marking the account as current ) since this was a one-time fluke in a long series of on-time payments. 

The other week, my wife and I went to apply for a mortgage and were denied because this information seems to still be showing up on my credit report. I have called Macy 's, but they refuse to work with me, claiming that the issue was resolved on the day that I paid off the balance and closed the account. 

To be clear, I accept that I was irresponsible by forgetting about this debt and allowing it to become delinquent. However, I certainly think that Macy 's could have made a more serious effort to contact me once I was in the grace period. In fact, the mortgage agent, remarked that, through the years, Macy 's has become known to him for causing so many similar problems on other mortgage applications. 

Ideally, the CFPB would be able to help me get this information removed from my credit report. I have considered hiring an attorney but am worried that my case will be very difficult to prove. ( For example, how can I prove that I never received any physical mail or that I could n't successfully log in? ) Thank you for your consideration.
This complaint is being filed cause sometime in  XXXX  i realized that my card was missing and i reported it to discover. They never credited the fraud charges so i was waiting for the credits to be done on the account. Today i called in and they had never flagged the fraud charges and i am being reported to the credit bureau for 30 day late payment for  XXXX   2017. I ha ve contacted them and been transferred to several departments and to no avail been able to have this resolved.