WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX,2015 I had a house fire in XXXX room of the existing house contain to XXXX room of the house not the mobile home that is mortgaged to Greentree. 
The insurance company paid off the fire but the check was made out to myself and Green Tree I was told to send the check for their endorsement in doing so they kept the check requesting different documents after submitting everything I thought they asked for they have yet to send me anything to complete the repairs with. I had a friend helping me with the repairs but he got a job and had too stop so I have done the job myself with donations and love offerings for family and friends and have explained this to them, now they want the contractor number and all sorts of things but have not release any of the funds. They did send back the money I paid the guy for helping and the little I paid for the supplies I was able to buy but, nothing since then I have tried on several occasions to speak with someone from the claims dept. when they 're not being rude they put me on hold then hang up and wo n't answer the phone anymore
I am writing to you about a matter that has caused me to be reported late for XXXX XXXX on my credit report for the reference account. In XXXX, XXXX, I called in to adjust my payment date so that payment would be earlier than the first of the month, for tax purposesI wanted to have the interest on my XXXX payment reflected in XXXX. This involved cancelling an automatic payment and scheduling a new payment date late in the month. This call was due to a previous issue ( in XXXX, XXXX ), that created a duplicate payment ( on XXXX and XXXX ) that was difficult to remedy. I was attempting to avoid a similar situation in XXXX. Apparently, when the late-in-the-month payment date ( of late XXXX ) was entered in to the Wells Fargo automatic payment system, it was rejected because it was after the XXXX of the month. I was never informed, I learned this later. I only became aware of this in XXXX of XXXX, when I was contacted by phone about a payment that was not received. I promptly remedied this situationit simply meant moving money around within the Wells Fargo banking system. Because of the alleged late payment that Wells Fargos credit department reported to the credit bureaus, and my XXXX score dropped by about XXXX points ( about XXXX XXXX ). I corresponded with XXXX XXXX and explained the situation to them, they concluded this was not their fault. I requested that they read the excerpts of the call I had made in XXXX, where I was led to mistakenly believe by the Wells Fargo phone representative that the auto payment. They still deemed it was my fault, after which point I asked them to produce the phone call transcript and was told that it was not Wells policy to share my own call transcripts with me.
I made two payments to my accounts. 

1. On XXXX/XXXX/XXXX I made a {$700.00} payment to my reserved line 2. On XXXX/XXXX/XXXX I made a {$1000.00} payment to my credit card Neither of these payments have been applied to my account. The company refused to rectify this situation and now I am out of {$1700.00}. I need help solving this. I have tried to contact the company to ask about my payment and they refuse to provide me with any information. There is something fraudulent going on with my account. I never asked the company to transfer payments from one account to the other. This is a fraudulent situation. Someone has taken my payments and misapplied my payments and reversed it off my account. So where is my {$1700.00}?
I have a collection account with this agency and it should be from XX/XX/XXXX. However it was reaged to XX/XX/XXXX ... When the creditor took it over. This account has been illegally reaged.
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX ACCIUNT # XXXX  Contact Information XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX  ) XXXX Payment History This account states that I was 30,60,90 days late however I was never late on this account and the creditor has agreed to remove the late payment to avoid any litigation. I demand that this be removed XXXX ACCOUNT # XXXX   Contact Information XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX  This account states that I was 30 days late however I was never late on this account and the creditor has agreed to remove the late payment to avoid any litigation. I demand that this be removed XXXX XXXX  Account # XXXX Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed.
Attached are screen shots of my XXXX XXXX online bill pay from when the mod period started and a copy of the BofA check. I had to pay {$16000.00} before the XXXX of each month. XXXX was paid on time in XXXX, XXXX and XXXX XXXX XXXX paid in XXXX, XXXX and XXXX by the XXXX of the month - so on time. The amount was slightly adjusted in XXXX 2016 to {$16000.00}. 
XXXX 's positon is that they bought the loan during the modification trial and I was technically still late on my payments as the trial was not completed and new loan docs were not yet issued by them and signed by me. If I 'm late, even if still in a still period, they say they need to report it. As a Fay policy they wait 60 days before reporting lates and this would have brought me to about XXXX XXXX ( the loan was bought on/about XXXX XXXX. When my 3 month mod trial was completed at XX/XX/XXXX, they took SEVEN weeks to get me the docs and I signed them right away XX/XX/XXXX. If they rolled me into a new loan in XXXX, as agreed to, they would not have reported me late because the new loan was in place and I was still within their 60 day window before reporting lates on newly acquired loans. When I told XXXX XXXX at Fay Servicing that their 7 week delay caused this, he just said " getting loan docs out takes time ... '' I did everything I was supposed to and am being penalized heavily due to their inadequate processes.
Since XX/XX/XXXX I've tried to get a fraudulent collection agency account deleted from my credit report. I was notified that a XXXX XXXX collection action for {$1400.00} was listed on my Experian credit report. I called XXXX XXXX and was advised that an account was set up and service provided in Florida using my personal information. I informed them that I never lived in Florida so it was a case of stolen identity, I filed a police report and for the past two years have been trying to get the entry off of my credit report with calls to XXXX XXXX and Experian. I went online and asked to remove all the incorrect addresses from my report. I also noticed that there are XXXX separate entries for the same XXXX XXXX action with three different collection agencies opened on three separate dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This has made the process of removing the false information even more difficult. I've provided Experian and XXXX XXXX with all the information to prove the identity theft but the fraudulent delinquency remains on my credit report. 

I appreciate any help you can provide to clarify this issue.
The card i own was stolen and account hacked. However when i went to see why there were such a large amount of money in my account the next day it were taken out and account was now overdrafted - {$1600.00}. Contacted SunTrust customer care and was informed there was nothing they were to be able to do about it. I was aware if having $ XXXX in my account which was what i was spending day by day. However this took that away.
Debt was paid in full as agreed directly to the creditor. Settled and closed. I am no longer liable and the file should not reflect negatively on my report.
We recently paid off our Chase Slate credit card, paid off on XXXX XXXX, 2016. Prior to paying this off we had auto payments setup, so they were taking {$210.00} payments monthly. We called Chase Slate and again paid off the account on XXXX XXXX, 2016 and were told the account was paid in full and closed and nothing else was needed. However on XXXX XXXX, 2016, another auto payment of {$210.00} was taken from our checking account. Due to this now we do not have funds for other bills we have already paid, so now we have to deal with returned payments. I contacted Chase Slate on XXXX XXXX around XXXX and was told they would review account and have refund checked mailed out within seven business days. I explained we can not wait seven business days for the funds to be mailed out. I asked if they could overnight the payment, but was advised they do not have that option. We asked for a supervisor and spoke with a XXXX XXXX, who after I explained everything asked how this was their fault. He turned this around on us and advised it 's the customer 's responsibility to follow up on the account and confirm any auto payments are turned off. Advised when we called to pay this off we were told everything was done and account was closed, so asked how they took funds out of my account if claim was closed. He could not answer and kept blaming me saying it 's the customer 's responsibility to follow up. XXXX continued to talk over me when I was trying to explain and ask questions to get a better understanding. I asked for his manager, XXXX XXXX, but was advised XXXX was the only supervisor in the building and there was no phone number or ext for any manager there and no manager had voicemail. He advised I will have to call back between XXXX and XXXX to see if a manager is available. At this point we just want our money back that should have never been taken out of our account. The other credit card we paid off had no issue stopping the auto pay option. I do not appreciate XXXX, a supervisor, blaming everything on me and advising the credit card company did n't do anything wrong. He advised the call was recorded and I hope it will be saved and can be listened to and not magically disappear which I assume will happen. I do plan on calling and asking for XXXX 's manager but again assuming when I call I will be told there is no manager in building or they are in meeting, so I am filing this complaint to see if I can get funds back asap. Also want to make sure this does n't happen to anyone else. I did the right thing by paying off my debt but they did n't turn off their auto pay function, but now a supervisor is telling me this is my fault. If this is sent to Chase I am sure I will never hear from a manager, but I will never deal with Chase again going forward and will be sharing my story and the response I got from a supervisor with Chase with everyone I can. This could have been a simple fix and a 5 min. call, but instead this has blown up due to the way it was handled. Thanks for your time.
My debit card was used to make fraudulent ATM withdrawls and the bank issued a provisional credit in the wrong amount. I ca n't get them to fix the error. Their Fraud department says that the transaction was disputed in the correct amount ( which it was ) and that Customer Service needs to fix the credit amount. Customer service says that I have to file a new fraudulent transaction report to get the right credit amount. The Fraud department says that I ca n't file a new fraudulent transaction report because I have already disputed the transaction. My local branch says that I have to call the Fraud Department who sends me to Customer Service who sends me back to the fraud department. I just want to get my money back. The credit should have been issued more than a month ago.
I've contacted this company several times to have the debt removed from my credit report! I've sent this Collection Agency a copy of my Police report, Social Security card, and identification, but yet this item remains on my credit report. The company received these documents by certified mail, but have yet to remove the account. I will be following up with the fair Credit Reporting Act regarding this matter! I will also proceed with legal action if this account is not removed from my credit report within 30 days!
Requested credit score for the first time this year from Experian and was charged {$4.00} to view my score.
Late reports need to be removed Accounts Ever Late 2 Also the enquiries need to be removed XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX/XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Account Type Installment Loan Date Opened XX/XX/XXXX
I contacted Toyota Financial Services when my account was XXXX days past due, attempting to make the remaining portion of my monthly payment on that day to avoid my credit from being affected. However, due to Toyota 's inability to date my payment by phone for the same day, the only option given to me was to date it for XXXX days later ... .the earliest possible date it would reflect as posted on my account. I disputed the credit mark directly with Toyota and through the credit bureaus, but it has not been removed. This now impacts my ability to afford the purchase of a home for my family at a reasonable rate. 

I was a good customer and appreciated the overall service received. I paid the loan off in full, and this one instance was the only time the account went over XXXX days past due throughout the duration of the loan.
Experian has reported several accounts on my report that are not mine also too many inquiries that I did n't authorize, Please help, these the names : Creditors : XXXX XXXX XXXX There 's XXXX accountsAd XXXX XXXX XXXX, XXXX XXXX, Credit Bureau XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX- XXXX
Last year someone opened a Kohls department store card in my name without my consent. Whoever accessed my info made frivolous charges on my behalf. I have no knowledge to how my info could have been obtained
I have an  XXXX  credit card with  XXXX    XXXX   and in  XXXX  my credit limit was increased from {$300.00} to {$1000.00} and the credit limit increase has not been reflected correctly with  XXXX  or Equifax fast the past few months. I have called  XXXX   XXXX  for the past 2 months and they told me it was reported correctly but the latest update to the credit bureaus on  XXXX   XXXX ,   XXXX   still reflects a credit limit of {$300.00}. I have sent online disputes as well as a dispute vi a US m ail to both credit bureaus and the response from both credit bureaus indicates the credit limit they are reflecting is what  XXXX    XXXX    submitted which is {$300.00}. I am getting conflicting information from  XXXX   XXXX . I am just simply asking that my credit limit be recorded and reflected correctly which is a credit limit of {$1000.00}.
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT, TOO MANY INCORRECT LATE PAYMENT, DIFFERENCE NAME, ADDRESS AND INQUIRIES NOT AUTHORIZED BY ME APPEARED ON MY EXPERIAN CREDIT REPORT.
The  XXXX  credit companies that are  XXXX ,  XXXX  and  XXXX   XXXX  are showing that I have a late payment on  XXXX . The account was paid off  XXXX / XXXX /  XXXX   and I had a refund mailed to me on  XXXX / XXXX /  XXXX  .     I am trying to buy a home and with this reported late in the last 12 months it is impossible. I had disputed the mistake with the credit companies and it was never removed. All it showed was ACCOUNT IN DISPUTE -- CONSUMER DISAGREES.     What is there to disagree with? Did they even call to check? I am trying everything I can I just feel as if I have no options. I will continiue to work with my lender to get this fixed but th e 2 credit companies have been of no help and Wells Fargo will not provide a letter that there was never a late  on the account, just this payment history that I am attaching below.
XXXX  2016  ID theft occurred. Submitted required forms to all   XXXX   credit agencies via USPS.   Only   XXXX   applied the requested  CREDIT FREEZE . Experian and   XXXX    refused to freeze my credit per OREGON LAW.
I financed a car with Lobel Financial on XXXX XXXX. I fell behind in payments in XX/XX/XXXX ( approximately ). I have recently began to try and correct me credit and came across an closed account with Lobel Financial. The date says it was closed XX/XX/XXXX but the last payment says XX/XX/XXXX. I have not had contact with this corporation since XX/XX/XXXX. I have not any payments since I fell behind. I believe they are attempting to change the date of last action in order to extend the statute of limitation. Which I know is illegal.
XXXX, has refused to do there job three times they have put false information on my credit report from a company called XXXX XXXX XXXX. I asked for the act to be verified through the court .And to show proof of validation of debt. I have proof of the actual ordered amount. XXXX never got proof they just closed case. the reason I know is because the amount is still wrong. this fraudulent first allowing of this credit company to add bogus information made the other two Experian and XXXX do the same put over 7 thousand worth of charges on my file. it took my score down. also the dispute was not done. I want this removed since it was not done in 30 days and it has been over 4 months.
Experian is reporting fraudulent inquires on my credit from companies listedXX/XX/XXXX XXXX AND XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX SHOWS XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX / XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX
I, XXXX XXXX, am writing to bring to the CFPB 's attention regarding Bank of America 's violation of the FCRA act. They reported wrong information to my credit report abou an account " 30 day past due '' due to the bank 's error. 

-Statements of Fact-I have XXXX credit cards with Bank of America ( " BofA '' ). I made a payment of {$250.00} to my XXXX Signature Visa card on XXXX 2015, and BofA applied the payment to the wrong account, which had a XXXX balance, and it resulted in a credit balance of {$250.00}. The bank then reported my account as " 30 day past due '' to all XXXX major credit reporting agencies. I spoke to an employee at their local branch, and the employee told me it 's a glitch. I only want them to update my account to accurately reflect that my account was never late. For the record, both of my credit cards have a XXXX balance as of XXXX/XXXX/2015. 

Customer respectfully asks the CFPB to take any actions it deems necessary to bring Bank of America ( " BofA '' ) into compliance with all applicable federal banking laws and regulations, including, but not limited to the Fair Credit Reporting Act ( FCRA ). If Bank of America does not take action to correct the inaccurate information, customer also plans to initiate legal action in Court, pursuant to the FCRA.
This is a complaint against US Bank. I have had a business checking account with them as XXXX XXXX  for over 25 years. I have over that time deposited more than a million dollars worth of clients checks in the process of running my business. I have used both the ATM and in person tellers to make these deposits. I have two complaints to make regarding events around deposits that have happened recently. 

The first occurred in XX/XX/2018. I deposited a check for XXXX. I understand that there is a period of time before the check would clear my clients bank and the funds would become available for my use. I waited until the funds changed from pending to actually available in my account as I could see using my direct online portal access to my checking account. When I saw the funds available I made an online payment to one of my suppliers for XXXX. Two days later the original funds were withdrawn from my account and put in a pending state again. When I called to find out what happened they said that the check was flagged and an additional seven day hold had been placed on it. Needless to say this was  extremely frustrating and no one was able to explain why or help resolve the issue in a timely manner. Consequently my supplier payment was not covered and I had to deal with NSF fees for this. Finally the check did clear and the funds were available and except for the fees I was charged ... things worked out. 

The second event occurred this last week and is still unresolved. I deposited a check for XXXX ... from the same client as above. This time I was more suspicious so I waited and again after a few days the check cleared and according to my online bank access I had the funds available. Great .... so I wrote about XXXX worth of checks to my sub contractors for work they had done. Two days after this I was informed the funds were once more removed from my account. This time after a couple more days ( XX/XX/XXXX was a Wednesday and so there were less banking days last week ) I was told that the check was removed and returned because it was not endorsed correctly. I made this deposit in a US Bank branch ATM the way I have done thousands of times before. I have never in 25 years signed the back of one of my checks made out to XXXX XXXX .... even when making a deposit personally with a teller ... .. Anyway this was the last straw for me. I got absolutely no explanation for how this could have happened ... in fact no help at all from my bank manager .... except to say that an official copy of the check would be sent by mail to me and I could endorse it correctly and redeposit it .... This is completely unacceptable to me and find my self at a loss as to what to do. I need these funds to be able to run my business and this kind of delay and appropriation of my time to try to resolve the issue is beyond belief .... I'm sorry but I really feel at the affect of these circumstances and unable to do anything to help myself except wait for the Bank 's mistakes to play out .... Is there anything else I can do to help make sure this doesn't happen to anyone else?
Account XXXX. I noticed on my credit report the aforementioned account from Chase bank. Chase is reporting this account as a charge-off. Initially, I filed a dispute with the credit reporting agencies. XX/XX/XXXX, I sent a formal request to Chase via certified mail that Chase provide with evidence that I had contractual obligation to the above referenced account. Copy of the letter is attached. 

Chase sent a letter to me XX/XX/XXXX in which they are stating that account was sold to XXXX XXXX XX/XX/2012 and to contact XXXX XXXX for any account records. Upon contact with XXXX XXXX, I was told that XXXX XXXX can not produce any document that this account is mine. I called Chase and relayed the information to them and kept on getting the run around. At the end, the representative from XXXX XXXX. finally stated Chase does n't have any contractual evidence that it can furnish me ... 

Please note the year that Chase is stating when this account was sold, XX/XX/2012 is in the same time period for which the Consumer Finance Protection Bureau took action against Chase for selling bad credit card debt to 3rd party buyers. 

Since the 30 day limit has lapsed since I send the letter and that Chase can not furnish contractual evidence, these erroneous listing need to be deleted from all credit reporting agencies. They are severely affecting my credit report.