WillisBack/dataset-financial-user-claim huggingface dataset:
This is in addition to my initial investigation with Toyota Motor Credit that is still in process.. THIS IS A SECOND COMPLIANT.. MY FIRST COMPLAINT IS STILL IN PROGRESS..On XX/XX/2016 my account was reported 30 day late to the credit bureau. I contacted Toyota and spoke to a number of representatives in the call center and a manager who indicated my payment was made via the automated phone system prior to XX/XX/XXXX date of the following month. However, due to XXXX holiday and the company being closed, the payment was posted after the 30 day mark. I disputed this information indicating not only was my payment made within the correct time period but it was not 30 day late and there had to be a system error. I escalated this issue and was advised that the internal system indicates when the date posted ( not made ) and therefore the reporting was correct. I have never been marked as 30 day late and certain the payment was n't late. I was also advised by representatives in the phone center and also a manger who indicated the date the payment is made is the date that is used when reporting a payment. I continued to dispute the information with the Toyota and they continued to advised they had no error. Since that time my information has been reported to the credit bureau incorrectly and XXXX major credit bureaus ( XXXX and XXXX displayed the information differently ). Hence, there is a error within Toyota 's system. That occurence has been and should be documented on my account as that issue is has not been fully resolved. I 'm requesting the 30 day late reporting be removed, and someone take the time to due the leg work to investigate the issue. Just because your system is reflectingsomething is not a indicator that there is no error. To simply go into a person 's account and see what is reported is not looking into the issue. Check to see when the payment was actually made, when it was reported, why was it reported late, how was it made..etc ... Again, the issues with credit reporting continues to validate there is a error with Toyota 's internal system. The 30 day marker needs to be removed. My account number is XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXX/XX/XXXX Dear sir or madam, I have a problem with Key Bank. I opened my checking account at Key Bank, XXXX, MI branch ( XXXX ) on XX/XX/XXXX Everything went smoothly. After that, I received my debt card. Welcome letter. The branch also sent me a letter and want me to talk to their financial advisor. 

On XX/XX/XXXX I received a letter from Key Bank fraud detection and risk analysis department, Reference # : ( XXXX XXXX MM ). it is stated that my account will be closed. Key Bank also may furnish negative information to a consumer reporting agency. I called the Key Bank and asked for why. They did not tell me the reasons. 

The thing is I never have any negative bank balance and any bank issue. My credit score is at least XXXX. 

I would like you help me to find out what happened, clear my bank record and keep my checking account open. 


Thank you very much! 
XXXX XXXX
The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds XXXX from XXXX that has been discharged and the other from XXXX a division of XXXX and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. XXXX and Ocwen Loan Servicing LLC does not have any signed supporting documents such as notes registered at the registry of deeds, because of this XXXX and Ocwen Loan Servicing are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.
We made a mobile deposit of {$2000.00} from XXXX XXXX to Bank of America on XX/XX/2018. Previous the hold was placed on the account until XX/XX/2018 for funds to be released. I spoke to Bank of America on on XX/XX/2018 because we received an alert advise of our account negative $ XXXX. I called Bank of America to verify was there an issue with the deposit and was advised the funds will be released on XX/XX/2018 due to XX/XX/2018 was on Saturday no funds will be released and XX/XX/2018 was a Holiday. As of XX/XX/2018 no funds released and no funds will be released until XX/XX/2018 due to the check needed to be validated extensively before the funds to be released to protect the bank and the customer. I was advised the next time for XXXX XXXX to issue an electronic payment through direct deposit because of the substantial amount of {$2000.00} but we have no way of telling XXXX XXXX  how to send the funds. This is unacceptable I am the customer and I pay monthly on the XXXX Policy through my job as a right I need further explanation what is the real issue at hand.
All XXXX Credit Reporting agencies allowed XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX General Number ( XXXX ) XXXX Consumer Service Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX to make an inquiry on my credit report without my permission. I also have Fraud Alerts on my Credit reports to further protect myself. A request was made by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX XXXX XXXX, without my permission when they approached me about an Interest Reduction loan. I told them I would ask my wife about it. They requested a copy of my last mortgage statement so they could estimate what they could do for me. At no time was I asked for, nor did I give, permission to have them run a credit report on me. I contacted XXXX today and the representative, XXXX, stated that they are not required to verify identity unless it is a security freeze. I know for a fact that they charge a {$35.00} fee to run a report so they have something to gain by not following the guidelines. i.e., : fraud alert indicates to anyone requesting your credit file that you suspect you are a victim of fraud. When you or someone else attempts to open a credit account in your name, increase the credit limit on an existing account, or obtain a new card on an existing account, the creditor should take steps to verify that you have authorized the request. If the creditor can not verify this, the request should not be satisfied.
I was formerly a Scottrade customer and part time Scottrade intern at the XXXX XXXX campus - and I can not say I am surprised that this happened. 

Scottrade 's customer support has always been horrendous with managers placing emphasis on an unwritten policy to not deal with any dispute if it requires significant resources. Managers have cut the Scottrade support staff to a minimum and instructed employees that if a customer is not satisfied - " force them to use arbitration ''. The corporate culture is all about profit - not a minute is dedicated towards customer satisfaction. 

In terms of cybersecurity, Scottrade is at best below par, at worst, utterly incompetent. I have now moved to the Cybersecurity business and have analyzed complaints against Scottrade as well as their statements in an effort to research the industry and found some very disturbing things. Like others has mentioned, it took Scottrade more than two years to discover the breach, they refuse to give details, and do not provide retroactive identity theft coverage - but there is much more. 

1. ) If you XXXX " scottrade muckrock '' you will see that a number of complaints submitted to the SEC and forwarded to Scottrade have directly reported the failed cybersecurity infrastructure and corporate ignorance. If you file FOIA requests with the SEC you can obtain more information. 
2. ) An associate of mine was a victim of an " account takeover '' in 2013. His Scottrade account was hacked and over XXXX dollars was stolen. Scottrade refused to acknowledge the fraud and claimed on numerous occasions that their cyber systems are " flawless ''. 
3. ) Also reading complaints about Scottrade and researching their computer networks, there are STILL security vulnerabilities in Scottrade 's systems that allow fraudulent ACH transfers, fake account, and market manipulation. 

To everybody that has decided to leave Scottrade - Good for you. 

To everybody that is decided whether to go elsewhere - There are numerous other options available, choose somebody that offers two factor authentication, that is generally an indicator that they at least have a half-way competent cybersecurity department. 

To everybody that is still doing business with Scottrade - If things go south, expect Scottrade to XXXX you in an efforts to protect their profits and avoid liability.
I have two addresses that I have never resided at. There are old accounts still showing that should have dropped off.
Equifax is once again reporting a derogatory public record, see attached credit report from XXXX/XXXX/2015. 
This was taken off all credit reports several months ago when I showed the lien release dated over 5 years previously, see attached lien release. When the account is accessed online, no derogatory information is listed. When my creditors get a copy of the credit report, the lien and collection reappear and the credit number thus suffers. The credit score thus suffers a XXXX plus point deterioration below the level of the other agencies, both of which do not show this lien. This is my XXXX time requesting Equifax take permanent action to remove incorrect information.
I investigated XXXX XXXX through Equifax Credit Bureau and the item was deleted. Please send me the policy and procedure on deletions from the credit bureau. Why after consumers go through a XXXX 45 day investigation and the items are deleted, all of a sudden the item appears on the credit report again. So unnecessary and frustrating!!!!
This debt was through XXXX. The retailer closed my account, and changed who they have do their credit. The account was paid in full before they switched companies. I have a discrepancy on my credit report. I tried calling the debt collector, and they have no account matching my name. The name of the debt collector in JH Port Debt for {$400.00}.
Hello, I have a capital one credit card ( Journey-Visa ) which has been closed, due to interest charges being taking out whether the card has been used or not or closed. Hundreds of dollars have been taking by capital on which does not allow the consumer to pay the card off. I have been with capital one for several, several years. I pay {$50.00} to {$60.00} dollars a month on the balance of my card and capital one take at least {$15.00} to {$20.00} a month in interest charges. I have spoken with capital on several occassions regarding why are they taking charges of interest and fee on a closed account. The representative say interest charges are paid on remaining balances and cash advances. I had one cash advance of {$12.00} back in the year of 2012 and they are still charging interest on this amount and the balance of the card. Never, ever have I had another cash advance. This has been going on for years. Such situation traps the consumers from paying their cards off. This is unfair credit card fraud and a scam. Credit card companies are ripping and gauging consumers with such fraud and unfair practices. I have attached just a copy of an example of what Capital One is doing. I make a {$50.00} payment a month, capital one take {$15.00} to {$20.00} in interest and fees. Yes I want everyone to know about this issue with capital one and other fraudulent credit card companies. I will be filing a law suit.

Thank You
On  XXXX   XXXX ,  XXXX  I noticed on my Transunion credit report an old account with  XXXX   XXXX  for an auto lease opened in  XXXX   XXXX  was still reporting as " currently paying '' when the lease was completed and paid in full on  XXXX / XXXX / XXXX . I called Transunion on  XXXX / XXXX / XXXX  to dispute it and they initiated a request to ask  XXXX   XXXX  to delete the account because the 7 years ( for it to remain on my account ) after it was paid in full in  XXXX  has passed. On  XXXX   XXXX ,  XXXX  I noticed  XXXX   XXXX  responded to Transunion  's r equest by putting 82 months of X ( Unknown payments -- see attached ) for this account from  XXXX  through  XXXX  on my report. As I stated this ca n't be true since the lease was paid in full in  XXXX . Any help you can provide with this is greatly appreciated, as this has made  my credit score de crease by  XXXX  points, since they put the X for unknown payment history on an account that should be deleted because it was paid. Thank you.
Received proof from XXXX XXXX that they are no longer reporting to EQUIFAX XXXX AND XXXX as stated on the letter attached to this case. EQUIFAX has still not removed it from my credit report after several disputes and want this off my report immediately as it is making it very difficult for me to obtain credit.
On XXXX XXXX, 2016, I received mail from Midland Funding LLC about an alleged debt owned. I checked my credit report through XXXX and the debt has been reported as an adverse account. [ Account # XXXX ( Please note : XXXX omitted account 's last XXXX digits for security reasons ]. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), I sent via certified mail [ Mailed XXXX/XXXX/2016 ; received XXXX/XXXX/2016 ] a request to Midland Funding LLC to provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof that you are licensed to collect debts in Maine ; and 4. proof of the last payment made on the account. 

Midland Funding LLC has contravened its 809 ( b ) statutory requirement to sufficiently validate the debt.
Approved for tax exemption program with my county ( located in XXXX in the state of Virginia. Lender is still currently charging me for taxes even though county and HUD approved Housing Counseling agency has submitted documentation showing where we are now exempt.
I signed up for Income Driven Repayment in XX/XX/XXXX. At the time I was told that my repayment term would be 122 months by XXXX  XXXX XXXX, my loan servicer. This information was confirmed online via my account. The repayment terms showed as 122 months when I viewed my loan details online. 

I submitted the recertification form on XX/XX/XXXX. When I logged into my account online I became alarmed when I saw that the repayment term was still listed at 122 months. 

I called into the customer service and spoke to XXXX ( employee ID number XXXX ). She explained that the information on my online account was incorrect and was incorrect for any person signed up for income based repayment. My repayment term is actually 300 months. I asked why their phone system directed me to view my account online for my loan details when they weren't correct. She did not have an answer. 

I am glad I caught this mistake because I was looking at paying over an extra {$92000.00} in interest if I stayed on this payment plan. The standard 10 payment plan payment is only {$8.00} more every month. 

I believe that the misinformation provided by XXXX XXXXXXXX XXXX is willful and on a wide scale. I believe that they should be accountable to provide accurate information about the repayment term to account holders in their online account since they encourage the use of the online account in order to obtain information.
Another name is listed on my credit report. There is also a chase account that states it is overdue, but it belongs to this other person on my credit report.
On XX/XX/2018 I contacted National Credit System located at XXXX XXXX XXXX XXXX, XXXX GA XXXX to advised them that had just manipulated my credit profile with all three reporting agencies XXXX, XXXX & XXXX by adding a collection debt of {$3200.00} that did not belong to me and they also changed my home address to reflect and address I have never lived at. I told them I have been a victim of Identify fraud and requested them to immediately remove this account from my credit file and send me the proof of indebtedness. 

Todate I have received no response. I called XXXX XXXX XXXX again on XX/XX/18 and spoke with a Mr XXXX XXXX who advised me to would send me a fraud package to complete via email and still todate I have not received anything. This company has not responded to my correspondant, emails or phones. This does not belong to me and should be removed. 

The National Credit System agency is violating Fair Credit Reporting Act. Please help me get validation and removal of the account from my report.
I have submitted several disputes to Early Warning Services ( consumer ID XXXX, ) XXXX XXXX regarding two accounts being reported as account risk by XXXX XXXX XXXX XXXX. The accounts listed do not contain my social security number or address, yet despite several disputes being filed, EWS has replied consistently that they were able to verify the information as accurate and belonging to me, which is obviously incorrect, and they are refusing to remove this information.
On XX/XX/2016 I made a wire transfer for {$3700.00} for goods purchased through XXXX through my Business Checking account at Capital One. After 14 days, the funds never made it to the recipient. I had Capital One initiate a trace on the funds and XXXX XXXX, from Capital One Branch in XXXX, Texas ( Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX ) told me that she did not know what happened to the funds. I made multiple attempts to resolve this issue with her, and Capital One customer service with no resolution. Finally, I contacted the XXXX and filed a complaint. They told me that I requested to cancel the transfer on XX/XX/XXXX ( I did ) and then requested to recall that cancellation the same day ( I did not ). The beneficiary has not received the funds and it has been over 4 months.
IN REGARDS TO : ONE MAIN FINANCIAL XXXX XXXX XXXX XXXX MD XXXX I HAVE SENT COUNTLESS CERTIFIED LETTERS TO THE BUREAU XXXX   LETTING THEM KNOW THAT I'M A VICTIM OF IDENTITY THEFT. AS WELL AS FORGERY HAS BEEN COMMITTED AND THAT THIS ACCOUNT WAS OPENED FRAUDULENTLY IN MY NAME AND I HAVE NEVER DONE BUSINESS WITH THIS COMPANY NOR HAVE I EVER HEARD OF THEM. 
Im currently consulting with an FCRA attorney about escalating this matter to the next level because you have failed to conduct an investigation regarding inaccurate FRAUDULENT account on my credit report. Based on the FCRA and my counsels review of the FCRA, you are supposed to conduct a reasonable investigation on items presented to you by consumers. You have failed to do this on several occasions, which is a violation of the law. 

This is my last request to your company to follow the law and REMOVE THE IDENTITY THEFT ACCOUNT FROM MY CREDIT REPORT AS IT DOES NOT BELONG TO ME. I HAVE FILED POLICE REPORTS WITH THE OFFICERS SIGNATURE AND POLICE REPORT NUMBER AND I HAVE SENT THEM OVER TO THE BUREAU XXXX  AND THEY HAVE STILL FAILED TO COMPLY WITH THE LAW AND REMOVE THE ACCOUNT. I'VE EVEN SENT IT TO THE DEBT COLLECTOR AND ONE MAIN AND THEY HAVE NEVER RESPONDED BACK.
It is from XXXX XXXX. About a XXXX XXXX XXXX and XXXX account. Several months ago and again today, my daughter forwarded me a voicemail she received from them about my account. She also said that my ex-husband 's ex-wife had asked received a call from them about my XXXX XXXX XXXX account! 
The same day I also received a similar voicemail. It is very menacing Man by the name of XXXX XXXX, and said he were sending someone over to my home or my place of employment between XXXX and XXXX XXXX and I " better be there with a government ID ready to sign papers. '' The message also had a phone number and account reference for me to call so I did and they told me to verify last word is my Social Security number, which I at first didn't want to but finally did. This is how I learned then they represent as a third-party collection for XXXX XXXX. 
I contacted XXXX XXXX last year and asked for a payment arrangement, since I had become XXXX, and my income is severely limited, and Landlord had told me he was selling my unit and I had to move in the next 60 days, and I had no prospects or idea where I was going to be living. But I told them I want to pay my bills, and I wanted to make an arrangement to pay soon. Instead, XXXX XXXX actually advised me not to pay it, but to instead look for housing, and they also told me that my income is protected since it is Social Security XXXX. I asked them not to call myself or anyone related to ever again. They went through their databases, ostensibly, and said they must have looked at whatever XXXX XXXX XXXX accounts had my same last name and called everyone with the same message. They said they would no longer do those practices with me. 
I have all the menacing and threatening voicemails which I and my daughter received stored and saved.
Dear Sir/Madam : I am in serious need of help/advice regarding my auto loan with Santander Concumer USA and believe I am a victim of USURY - auto loan unfair lending practices.

While I have been going through a relentless battle to keep my car from being repossesed by Santander Consumer, I ultimately lost my battle on XX/XX/XXXX wgen they repossed the car out of my driveway in the middle of the night. Now they are attempting to collect an exuberant amount of money that they say I owe them. You will see by the information below that I have already paid they an enormous amount of money, almost 3/4 of the price I purchased it for and now, after the repossession and sale of the car, they say I still owe them a little more than the original price I paid for the car.

Below is my story, I sincerely hope you can help me, or refer me to someone who can.

I bought a car while living in Florida in XX/XX/XXXX. I had really bad credit, and had only had a consistent job for a couple months, and was living in the homeless shelter system for just about two years -- but the Auto Dealer at XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, FL ) assured me that he could get me a loan with a down payment - even though everyone else had turned me down. He obtained the loan through Santander Consumer USA. He never checked my work history, or my residence history and I drove out of the lot with the car.

At the time I had no idea what type of contract I was signing, but being so desperate and needing a car, I trusted that the auto dealer was doing the right thing for me. As it turned out, that was not the case, and I am now paying a serious price for that unwarranted trust.

I had been paying for this loan since XX/XX/XXXX, and just about every payment I was able to make was going to Interest. I got behind in payments on and off, because I really could not afford the car, because I had been in and out of jobs and barely surviving. And Santander misled me in believing the extensions they gave me would help me -- when in reality it was just another bad tactic and way for Santander to abuse my hardship to their advantage by attempting to collect more interest from me.

To date, here is the status ( see below ).

Bought Car for ( amount financed ) : {$14000.00} Interest Rate : 17.16 % Monthly payment amount : {$330.00} Total Payments made to date : {$9600.00} Payments went to Interest : {$7800.00} Payments went to Principle : {$1700.00} Before repossession they say I still owed on the car : {$14000.00} After repossession and sale of car, they say I now still owe : XXXX - ( per letter dated XX/XX/XXXX from them ) At this rate, there is just no way I could ever pay that -- and even if I did, I will then have paid over double what they sold the car to me at -- and still have no car to show for it.

Do I have any recourse - please tell me I do?

I truly appreciate any advise or referral that you can offer me in trying to resolve this.

Thank you,