WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2018, I applied for a Total and Permanent Discharge due to being XXXX  XXXX. I returned my completed form and Nelnet ( the Federal Student Loan Servicer ) wrote me on XX/XX/2018 to inform me that my physician did not complete Question # 4 on the XXXX form. My physician completed Question # 4 and signed the form as requested on XX/XX/2018. On XX/XX/2018, I emailed the form back to Nelnet. Around XX/XX/2018, I received another written letter from Nelnet informing me that it had not received the updated information from my physician, which is untrue. I called Nelnet on or around XX/XX/2018 and spoke to a female representative who confirmed that my completed and updated form had been received but could not tell me the status of my account. I asked for my call to be escalated to a supervisor and spoke with XXXX. He informed me that all required information had been submitted and that he would escalated my case for a decision and call me back on Friday on XX/XX/2018. I never heard from XXXX. It is impossible to reach anyone at Nelnet who can give me an honest and reliable answer as to the status of my account. No one is able to explain why Nelnet keeps asking for information that it already has and why there has been a delay in processing my paperwork for the Student Loan Discharge to which I am eligible due to XXXX  XXXX.
XXXX and Wells Fargo are debiting money from checking account prior to the check being cashed by the recipient. Here is what is happening : 1. check is scheduled for payment via a Wells Fargo account using XXXX 2. check does not arrive at recipient for various reasons. 
3. Wells Fargo removes $ from checking account on the day the payment is scheduled in XXXX, even thought the check was not cashed. 
4. Recipient calls me to find out where their payment is. I see that the $ have been removed from my account so I am thinking their has been fraud. 
5. I call Wells Fargo to understand what 's happening. Nearly 2 hours later and after talking with several people I find out that the payment processor automatically removes money from my account on the date payment was scheduled regardless of whether the check was cashed. 
6. I believe this should be considered fraudulent activity. The payment processor was not authorized to withdraw $ from my account prior to when the recipient of the check deposited the funds to their account.
THIS IS MY SECOND COMPLAINT AGAINST TOYOTA FINANCIAL. The response received on the first complaint DID NOT address the issue, and they are not taking responsibility. Because of this, they have placed my family in a HUGE financial bind. I am due with baby in three months and need this resolved before then so that my husband can get a job. I had/have attached a copy of the backup I have from TFS proving they are at fault. I have XXXX additional letters that are the same. They are stating they have no records of these. 

ORIGINAL POST : My husband and I had an auto loan with Toyota Financial Services since 2010. It has since been paid in full as of this year. Our credit history with them has been nothing less of perfection up until the last few months of the loan. There were several attempts on our end to make payments electronically as we had been for years. We received letters from Toyota Financial ( XXXX of them ) apologizing for not being able to process our payments, even though funds were available. Due to this technical issue, our account became delinquent and recorded at 90 days late. Toyota Financial was able to remove XXXX, but pointed us to the direction of their credit repair department ( whom you can not speak with and can only submit letters to ) Out of desperation, we wrote to them and apologized for the issue, though not being our fault at all, and requested they remove the negative information as my husband is unable to obtain a qualifying job position due to his credit report ( only negative info is from XXXX ) We have been dealing with this for over 3 months now with no resolve. Now, my family is dealing with the financial burdens of my husband being unable to secure a job due to this issue. We have a 17 month old daughter with another on the way expected in 4 months time.
XX/XX/XXXX I took out a loan for {$2500.00} from Cash Central while in need of cash for a life threatening emergency. ( if it were less than {$2500.00} this would not be legal from my research ) At the time, I was a resident of XXXX XXXX but living in XXXX ( I provided them my XXXX license ). 

Cash Central is licensed to make installment loans, however I can not find a copy of a license to operate out of XXXX until XX/XX/XXXX. When the loan was made XX/XX/XXXX, they were licensed to make loans out of XXXX ( but not XXXX ). 

The 180 % interest loan was paid on time until I fell into another financial hardship. I was advised to reach out to the XXXX XXXX XXXX to help bring down the loan which they did. We had agreed to a settlement for 2 payments of {$400.00}. One payment was to be taken out of my account and I would be mailing the other payment before XX/XX/XXXX ( which I mailed and have documented ). The final check was never cashed by Cash Central, which I did not know until a later date. 

My loan was then sold to XXXX XXXX XXXX who greatly impacted and destroyed my credit. I have lost job offers as well as housing offers due to this unethical and predatory loan. I should have been paid to date and account closed. After numerous attempts to try and rectify this issue, Cash Central has not returned phone calls or emails. I then went ahead and reopened the case with XXXX   but Cash Central has stated " Due to the sale of XXXX XXXX debt, Cash Central does not have the authority to collect on this debt, and has not attempted to since the date of sale. He may address further questions regarding this account to XXXX at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX '' On XX/XX/XXXX I was notified ( by XXXX ) that records showed I made ZERO payments which is inaccurate as bank statements will show. My credit report also has 2 conflicting charge offs ( one cash central and the other XXXX XXXX XXXX  )
We bought a house in XXXX XXXX, CA -- XXXX/XXXX/XXXX. Our mortgage was handled by a company called XXXX. Soon after the mortgage was sold to GMAC. Shortly after that OCWEN took over the mortgage. The other day we got a notice not to send our payment to them but to XXXX instead. This is all so frustrating and wreaks of the XXXX mortgage nightmare. XXXX has no record of us on their books. I have been on the phone for over an hour on hold with XXXX to get help. I pay my bills on time. I have received nothing from XXXX and the XXXX is a week from today. I need help to solve this and to reach these people and hopefully put a stop to this madness. Besides paying pawn shop interest rates on the principal these companies could care less if this sort of thing puts us out and takes up our time to reset things with their website to pay our mortgage.
XXXX XXXX XXXX issued me a loan of {$2500.00} XXXX in XXXX had me sign an electronic signature and went through everything fast and in the middle of the store for everyone to see. I did not notice the 152 % interest when I signed and was not told that was the rate. This is a violation of heart laws and should be stopped. I will pay {$8000.00} for a {$2500.00} loan. This is ridiculous. They also were suppose to debit the first 3 payments and have yet to do the first one which was due on XX/XX/19 this is the XXXX. I cant reach anyone when I call the number. Please investigate this company.
I was contacted by a female associate from XXXX XXXX XXXX on XX/XX/XXXX. When I answered my phone she said that this is an attempt to collect a debt. The message was that I would be contacted at my residence or place of work if I did not pay now. The message ended with YOU HAVE BEEN NOTIFIED! I was very upset at that harassment talk, hung my phone up and called them back. They transferred me to a supposed Manager and he yelled at me at one point WHAT DID I NOT UNDERSTAND ABOUT THIS! This was during my conversation that I did not remember in XXXX this negligent account. I at that time asked if I could negotiate a settlement but that was adamantly declined. He asked if I worked full time and wanted to know how much I made and so on, and so on. He told me the amount was 900 and some dollars. I received an e-mail from him on XX/XX/2018 stating that I owed over 9100.00. I am very upset. I have his e-mail if needed by your office or anyone else who can help me. I am willing to negotiate but my card may have been compromised ... ... ..
I HAD NOT REVIEWED MY STATEMENTS IN A FEW MONTHS, SO I DECIDED I WOULD GO THROUGH EACH CHARGE CAUSE IT SEEMED LIKE I WAS PAYING MORE THAN WHAT I HAD USED IT FOR! AFTER GOING THROUGH I FOUND A CHARGE ONXX/XX/17MADE BY XXXX XXXX  FOR XXXX ONCE I FOUND THIS I CONTACTED WELLS FARGO AT XXXX I SPOKE WITH A GIRL NAMED XXXX SHE TOOK MY FRAUD CLAIM AND SENT ME A NEW CARD THEN A FEW DAYS LATER I GOT A LETTER CLAIMING BECAUSE I KEPT MAKING PAYMENTS THAT I VALIDATED THE TRANSACTION! I KEPT MAKING PAYMENTS CAUSE I DIDNT WANT MY CREDIT SCORE TO GO DOWN, AND I HADNT GONE THROUGH MY STATEMENTS IN A WHILE CAUSE I JUST DIDNT HAVE THE TIME! I DID NOT MAKE THIS CHARGE AND I DESERVE MY MONEY BACK.
I obtained a modification with XXXX on XXXX XXXX. In XX/XX/XXXX, the loan was transferred to Selene Financial. I began to pay the new mortgage company XXXX. In XXXX of XXXX, I was told that the payments will be increased from XXXX to XXXX effective XX/XX/XXXX. I attempted to contact Selene to discuss the matter but was told an attorney was on file and they could not allow me to discuss this important increase of mortgage of XXXX. The attorney that was on file withdrew in XXXX of XXXX. I presented a copy of the notification and was finally able to discuss the matter. 

After discussing the increase, it was explained to me that the loan was acquired by Selene having a shortage which had to be added to the loan as well an the substantial increase in property taxes, which I believe to be an error by the XXXX county assessors office. During the conversation with Selene, I noticed however that the loan should not have had such a large shortage which ultimately had to be added to the loan when combined with the property taxes resulting in an increase of my mortgage monthly payments of over XXXX per month. I believe that when a loan is modified correctly, it may result in minor increases or shortages that should not be increased to an amount of over XXXX dollars during a span of only ten months. Please review this complaint. Thank You.
Miscellaneous information reporting by XXXX XXXX Bank. 

I spoke to several representatives at XXXX XXXX Bank and they stated they are not reporting any information, yet there is negative information reporting on my account. 

They stated they do not have any information expect from an account in XX/XX/XXXX. All representatives stated they are not reporting and no longer even have access to the old account. 

However, on my credit reports, a miscellaneous XX/XX/XXXX and XX/XX/XXXX show XXXX XXXX Bank XXXX reporting late on payments. 

I do not have an account with XXXX XXXX Bank XXXX and they admit I do not have an account with them but will not remove the inaccurate reporting. 

People I spoke with at XXXX XXXX Bank XXXX, XXXX ID # XXXX ; XXXX ID # XXXX ; XXXX ID # XXXX ; others refused to provide names or ID numbers. 

All XXXX XXXX Bank customer service representatives stated XXXX XXXX Bank XXXX is NOT reporting to the credit agencies, but refuse to address the issues where someone from XXXX XXXX Bank XXXX is clearing reporting incorrect information.
I paid off my balance of {$1700.00} last month. This month, I got a statement showing a balance of {$16.00}, which was for interest. I called to complain about it, as in the past, when I paid off the previous balance, I did not incur any additional interest, as the balance was XXXX. However, the person I spoke with, XXXX ( XX/XX/18 at XXXX XXXX ) told me I must pay off my balance TWO MONTHS IN A ROW. Since when did they start this? She indicates the interest is for the balance I carried the previous month. This is ridiculous. 

A pure and simple rip off of the consumer.
I used to have an account with Barclay. Due to oversea traveling, I failed to pay a small balance on the card. Barclay closed my account, and added a huge amount of fee into it. On XX/XX/2017, I was able to talk with a Barclay representative, and he told me that he can waived some of the fee, and the total I owned & need to pay off the account is XXXX. That was taken out of my XXXX XXXX XXXX checking account that Barclay has on file on the same day.

Fast forwarding to now, I got email from Barclay saying that I owned {$390.00} on the closed account. I called in, and the nice representative explained to me that the balance was never paid off. She was able to get $ 100+ fee off the account, and I paid $ 200+ to close the account. 

As I was made to believed that the account is closed and paid off in XX/XX/2017, and as most of these charge are fees on top of fees, I believe the fees are excessive.
There are two accounts one is XXXX and the other is XXXX XXXX. Several years ago I was a additional signer on the account with my mother XXXX XXXX. I was taken off of both accounts and it still is shows on my credit report. 
XXXX XXXX XXXX Revolving XXXX/XXXX  XXXX
G.C.SERVICES is reporting a collection on my account which has already been paid. Back in XXXX 2017, G.C. Services agreed to delete my account when it was paid. I believe it was called a pay for delete. I checked my credit the other day and found they are still reporting this account in collection. Per our oral agreement I would like G.C. Services to remove this account from my credit file.Please assist in getting it removed my report.
This debt was supposed to be from XX/XX/2003 15 years ago the amount of this that is {$310.00} dollars that was passed over to a debt collector and that on my credit report that I need it removed
XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT XXXX XXXX, XXXX XXXX, FL XXXX To Whom It XXXX Concern : XXXX XXXX XXXX XXXX Please be advised that I have received your correspondence. This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. 
I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT XXXX XXXX, XXXX XXXX, FL XXXX
Representative of " FMS Financial '' contacted me at approximately XXXX via my work phone and cell phone. Representative " XXXX XXXX '' ( I beleive was his name ) was extremely agressive and hostile, yelling and screaming and would not allow me to ask questions or otherwise speak. He was also " huffing and puffing '' in anger during the call. Before I could request that his company only contact me in writing, XXXX XXXX slammed the phone down threatening to sue. The number he called from was XXXX.
While making a reservation on XXXX XXXX in XX/XX/2018, I was offered a promotion by AMEX to open a co-branded Gold Delta Skymiles card with a promotion of {$200.00} in statement credit and XXXX Bonus Miles if I spent a certain amount in the first 3 months. The offer clearly stated that it was only for New Account Holders who did not have this card in the last year. I had a similar card 2 years ago but since the stipulation was only for the last year, I signed up for the card. I met their spend requirement and even after 10 months I have not been given the statement credit or the bonus miles. I have called multiple times and was told that they will investigate and get back to me but no one did. Finally when I called today, first they make me hold and then hang up on me. And when I called again, I was again put on a long hold and then told that since I had the card in the past they did not give me the promotional offer although the offer very clearly stipulated the restricted time of 1 year. The agent was like we are sorry that the online offer was misleading and did not match and I will ask our marketing team to review the offer materials but would give me no time frame for any resolution.
I have called on the below loans for the past 5 years and was told every time all my loans through Navient are consolidated and I could do nothing about lowering the interest rates. In addition, I have 2 direct loans ( one subsidized and one non ) I was told are able to be consolidated. My only option given was to keep the interest as is and get on a graduated payment plan thus paying way move over the past 5 years than I should have due to incorrect information. Navient reps have always been unequipped to efficiently handle my financial need and this has prove to cost my thousands of dollars in interest. Just look at how long I have been paying on the below loans. 



XXXX XXXX XXXX XXXX XXXX UNIVERSITY Loan Status Repayment Estimated Payoff Date XX/XX/XXXX {$4800.00} 8.125 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX UNIVERSITY Loan Status Repayment Estimated Payoff Date XX/XX/XXXX {$7000.00} 9.125 % XX/XX/XXXX
I got a Credit card with XXXX XXXX on XX/XX/XXXX. Only to get {$15.00} off of my purchase and I gave them the cash for the item so I wouldnt have to pay anything off on the credit card. I was confused the first time to have a payment which is why I paid it late, but when I did pay it I had the customer service with XXXX XXXX tell me the full amount I owed, then I paid it off in full and had her close my account on XX/XX/XXXX. There is absolutely no reason why I should owe them {$210.00} when I paid off the amount I owed and closed the account because I used he card only that one time when I first got it. I dont have money to pay for something I shouldnt owe.
My wife and I applied for a Home Equity Loan with Bank of America to pay off some debts, credit cards, department cards and auto loans.The loan process started approximately at the start of XXXX XXXX. My wife talked to XXXX XXXX at XXXX ext XXXX email : XXXXXXXXXXXX. We received an email on XXXX XXXX XXXX to review Loan Documents, which are new documents related to the mortgage loan application are now available Bank of America online in the Home Loan for our review. XXXX sent us an email on XXXX XXXX explaining us what we need to provide them to start the loan process. Which documents was provide. They are as listed ; One month of paystubs, W2 's XXXX & XXXX, a letter explaining them a credit was run from XXXX on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX, from XXXX on XXXX/XXXX/XXXX ' How long we lived at the previous address, why we were delinquent on payments from certain credt cards, some accounts that were place on collection. Then on XXXX XXXX we recived a Conditional Loan Approva from XXXX XXXX @ XXXX email : XXXX. Then approximately on XXXX XXXX my wife received a call from XXXX XXXX and letting us know we must close out credit card department cards cards in order for Bank of America will pay off the close accounts except the auto loans which they also be paid off. So we had a conference call from to verify the credit cards and department cards are closed. Once we closed the accounts and they were verify by a representative from XXXX we were promise the loan will be closed on XXXX XXXX XXXX. A few days later we received a Notice of Action Taken letter via mail dated XXXX XXXX XXXX which is telling us we were denied on the loan. We were told from XXXX the loan will close on XXXX XXXX and she now tells us we were denied on the loan because we applied for other credit card accounts, which we have never did. We were told not to apply so we can get approval on our loan. We have left numerous emails and phone message on XXXX XXXX XXXX to XXXX. On XXXX XXXX XXXX we talked to her so Bank of America can provide us some proof when and where we applied for credit. She responded that there is nothing they can do and they are not liable. Now our credit scores were about over 650 now they are at XXXX. Since we closed the accounts and Bank of America did not pay the loans they promise, we have been receiving phones calls every day from the creditors when we will pay off the accounts.
I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. there is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. 

XXXX XXXX - Account XXXX This account is incorrect. 

Please Correct The Pay Status to Paid/Closed Zero Balance There is a Date Closed Date, yet its status is for OPEN accounts, and this is incorrect The remarks indicate, the Credit Line is CLOSED Please validate this account and update its status, accurately.
I was double charged for payment on an acct with Conns furniture in XXXX 2015 on an account I had established autopay on back since XXXX 2015. I called them and advised they took 2 payments ttl XXXX one on XX/XX/XXXX and XX/XX/XXXX from my checking acct and caused overdrafts to my acct when my payment is XXXX. The initial call garnered an apology and a refund for one of the XXXX payments. Since then I have been called a ttl of 6 times since XXXX XXXX after I repeatedly told the collector calling me I do not have any past due payments and my account has been set up on auto pay since early this year. I have even made 5 calls myself to them to clarify the issue with no resolve. being promised on 3 occasions I would not be called again only to be called multiple times a day.
A few weeks ago I placed a freeze on my Equifax credit report due to their security breach. I was provided the 10 digit pin number which I saved. Equifax offers the opportunity to unfreeze a credit report online. I went to their site to do so in order to allow a mortgage lender to run my credit report. After providing all the information requested by the site including the pin number the site returned a message that I could not release the freeze on my report online and to mail in a request. Then I have to wait for written confirmation that it has been processed. I do not have time to wait. If when I originally froze my credit report I was not given the opportunity to release the freeze online I would not have done so. Equifax should not be offering services it can not fulfill.
Wells Fargo keeps showing up on my credit report and I have not done anything with Wells Fargo in over 7 Years. I would like this to be taken off as I am sure the debt is not mine.