WillisBack/dataset-financial-user-claim huggingface dataset:
Borrowed {$900.00} company makes remote checks and has taken almost {$2000.00} alraedey from me and still shows I owe {$1300.00}!!! 
If I make a payment they they make a new contract for remaining amount and so more interest Im pretty sure this is illegal as I just got a settlement check from XXXX case and this company seems the same I can not stop the remote checks according to XXXX  unless I close my bank acct and I donr se why I should do that Company now appears to operate off shore in XXXX XXXX How can thay charge an interest rate of 842 % and make a new contract every time I make a payment?
I had a lease through Toyota Financial Services ( TFS ) which ended. I received a letter from TFS dated XX/XX/XXXX, stating I owed {$430.00}. 

On XX/XX/XXXX I spoke with XXXX ( Agent XXXX ) who reviewed the charges. Most of the charges were incorrectly billed to my account. There was a questionable amount remaining of {$62.00}. That amount was for a pro rated property tax amount due from the previous lease holder ( the lease is a transfer ). XXXX was not sure I owed this charge and told me to call back on XX/XX/XXXX to confirm the status of this charge. 

When I called back on XX/XX/XXXX, I was told the amount went to collection with XXXX XXXX. To avoid reporting to credit agencies I promptly paid the balance. 

Going back to TFS on XX/XX/XXXX I have been transferred around several times and once again was told to call back. 

In the interim I have been transferred to 5 different people, all from different departments of TFS ( or some other corporate entity of Toyota? )
In  XXXX  of  XXXX  our garage was destroyed in a windstorm. The insurance company sent out an adjuster and we began the process of rebuilding our garage. In  XXXX   XXXX  we were notified by  Dovenmuehle Mortgage Inc. th at they would be our new mortgage servicer. The next time we received a che ck (   XXXX   XXXX   ) fro m our insurance company we conta cted DMI and  were told that they needed to approve the proposal from our contractor. We explained that this part had already been done by our previous mortgage servicer and that the building was almost complete at this point. We were asked to provide the adjuster 's report, the estimate from the contractor and to send them the check for endorsement, which we did. Shortly after this we received the check back in the mail unsigned with a letter stating that we needed to endorse the check to them so that they could hold the money and dole it out in thirds as the work proceeds. We called to speak with our designated customer service representative, but she did not answer. We left several messages with no return call. Finally we spoke with someone else who said she was a supervisor, but indicated she had no authority to help us. Everyone else we spoke to would only read us something from their policies. They refused to give us the name or extension number of anyone of authority. We filed a complaint with our state banking department, the better business bureau and   XXXX   XXXX  . We just  received a letter that after four months of " reviewing our account, '' DMI has " located '' the insurance adjuster 's report and ordered an inspection. They are deliberately obstructing the completion of our garage and are not following the   XXXX   XXXX   guidelines as required. Our state banking department indicated to us that CFPB is the regulator for Dovenmuehle. We hope that you   will be able to require them to release the insurance proceeds to us.
I recently obtained a new lease loan with US Bank. They do not report to consumers what the payment amount is, when it is due or the loan balance. They said they will only report the payment amount and due date ON the date its due. So I will never know what balance is due to be paid until XX/XX/XXXX when they expect payment. They also do not allow online bill pay unless you bank with them. They refuse to accept repeat payments unless you bank with them. They do not enable customers to make ongoing payments, they force you to manually enter your routing and account number every time you want to remit a payment. They only allow customers to make a payment to be drafted the same day, they refuse future/ongoing payment ( s ). Finally, when a payment does not process correctly, they do not maintain the account information entered. Therefore, they can not determine where the error took place, their banking institution or the consumers. This seems to be very shady practices not allowing me to access payment amounts until the very day it is due.
XXXX XXXX contacted me regarding a past due balance for a credit card that they claimed was mine. They then demanded my personal information to " Validate '' the account. I was then informed that the information that they had on record did not match mine and that the account would be closed and processed as fraud. I have had XXXX XXXX showing on my credit report as " Closed '' with a past due balance of {$1300.00}. I have contacted them every single month since XXXX of XX/XX/XXXX and they still are illegally reporting this as a closed account with a negative balance.
On XX/XX/2018 I stopped at a Chase bank atm on XXXX XXXX XXXX XXXX XXXX fl XXXX ; to make a deposit of XXXX for rent. The machine took my money and gave me an error. i ran inside bank to file a complaint. I was told it would take only 12 hours, later that it would take 2 hours instead of the full 12. I called again that night to find out the status and was told 10 days. I have rent due and cant make any payments now. The specialist on the phone are not helping whatsoever. I feel like this should not be a burden on me if this is the fault of an error with one their machines/ equipment. I'm very devastated and can't believe this bank is treating me like this. I make about the same deposit for rent every month.
DNA has called my cell phone saying I have a debt, and to please contact them. I called to be told by a recording, this is attempt to collect a debt. I later heard from a representative asking if it is okay to continue on. I agreed to hear what they were talking about, and the process begin. I was asked all my personal information to find out they were harassing the wrong person, I did not want to disclose my personal information over the phone. After they told me they had the wrong person and the name given was my mother. I asked them to disclose the debt since they had asked me, my personal information, I was told I was n't on the account could not disclose her personal information without her consent. I did not give my mother my consent to be a credit reference. I 'm highly upset, there should be a law against putting a person on a loan for credit reference without their consent when applying for a loan.Also stop debt collectors from perusing non applicant ( credit references ).
Company called my cell phone and asked if I was a certain person. 

I responded with my name because the person they were looking for is a family member, and proceeded to ask what the purpose of the call was. Caller said the purpose was a private matter and then did not indicate that it was a matter of debt or bill collection and did not indicate the agency 's name. 

Caller then pressed for current phone contact info for the family member, which I provided. 

I called the number back after learning that it was a collections agency ( FMA Alliance ) and complained to a supervisor ( XXXX XXXX ) about the conduct of the previous call. Supervisor was unconcerned about the conduct and indicated that no action would be taken.
[ Incorrect late payment reported -- I did not have a payment due during this time. ] My first student repayment date was not due until XXXX XXXX. I had recently graduated during this time and never received a bill with a XXXX due date. On XXXX XXXX, XXXX I received an email correspondence giving me an update on my loan, stating I will be informed to my repayment schedule 45 days prior to a begin date ( email attached ). The next email regarding my specified account was not until XXXX XXXX, XXXX ( email attached ) and an additional reminder XXXX XXXX, XXXX, letting me know my first repayment date would commence on XXXX XXXX, XXXX. I was under forbearance, still enrolled in school ( graduate program ) at this time and additionally submitted my in-school deferment paperwork which was approved ( even though my university reports automatically ). For these reasons, I had no payments due XXXX, XXXX, nor XXXX XXXX and therefore did not have payments late for these months.
I know I don't deserve this erroneous information credit bureaus are placing on my credit report. I have always been a responsible payor. I am very disappointed because they did not fix and correct the late payments..CFPB please step up and fix XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
XXXX  has been non-compliant with removing the unverified account XXXX XXXX  which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
XXXX XXXX Bank is reporting account that I do n't recognize. Acount number that they are reporting is XXXX. I have sent letters to XXXX, Experian and XXXX asking them to delete this account from my report becouse it is serious violation of section 609 of the Fair Reporting Act. None of the bureau did not delete this item and it is seriously hurting my Credit!
I received a credit card thru XXXX, and transferred a balance from a XXXX XXXX account to the new XXXX card. However, in my EquiFax credit report, they show the new XXXX balanxe, but did not deduct the transfer amount from my XXXX XXXX account. So it appears as though I owe apx {$3800.00} more than I actually owe.
they called on XX/XX/XXXX in reference to an old debt. they offered a settlement. I was unable to agree to settlement. XXXX then told me if i am refusing to pay so he can continue legal route. I said at this time i ca n't do the settlement due to amount they are requesting within 5 days and I asked and sent them a cease of communication notice. He called again on XX/XX/XXXX to my place of employment. On a recorded line on my company 's end i requested to XXXX not to call us at work and told him i would call him from my cell phone. I called him on my cell phone and again requested for him to stop calling us. I told him that we can not due the settlement they offered us and I do n't see the point of them continuing to call and harrass us. He ended call by saying good luck and hung up. they also called XXXX ( my work number ) they also called 1 of our store locations XXXX
Discovercard has taken a very long time to resolve a double charge on my account and they refuse to acknowledge the fact that I have already wrote checks to the in-home senior care company which they cashed, resulting in an overpayment made by me. The fact that they cashed three checks that I wrote to them has never been looked at, so the charge has remained on my account, even though it was never authorized by me. They are not listening to me when I call them by phone. I have already reimbursed the service provider from their " Mistake '' of charging me twice for the same horrible service, so why does the charge still exist?
XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, LLC XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 


XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX  Inquiry :XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry :XX/XX/XXXX National Credit Cards/Airlines  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC #  XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I've had a credit card with First National Bank for 5+. They gradually increased my limit offer the years due to my history. My limit was increased to XXXX, a few months ago I used the card 's maximum limit as my family and I were going through home changes as we needed to move. The funds were used to help renovate our home. Approximately 2 months later I paid the balance off in two payments. First National Bank promptly decreased my credit card limit from {$10000.00} to {$1400.00}. I went to used the card and was declined which is how I discovered that the limit was drastically decreased. I called and the excuse they gave me was that there were a lot of inquires on my credit report. This leads me to believe that when you get a credit card with First National Bank, they expect you to not do any other form of business where your credit is concerned. I checked my credit report and it shows it was decreased on XX/XX/XXXX, I made a payment on XX/XX/XXXX to bring the credit balance back to {$10000.00}, that payment posted on XX/XX/XXXX. I feel I was discriminated against because my family and I needed to move and needed a new loan which of course required our credit to be viewed by other creditors. It is absolutely unfair for First National Bank to decrease their clients credit limit based on their family needs, especially when the balance is paid. It was not left on paid, or resulting in late fees. Though our credit was view for loan we needed, we still ensured to pay our balance. Card number ending in XXXX
I have been receiving REPEATED calls from different numbers from the same company, each time I blocked the number, they would call from a different number for roughly the last 10 days now 3 or 4 calls a day, no messages were left until last night @ XXXX. I received a lengthy message for someone that does not reside at my house. 
The lady on the message stated that if the customer ( by name ) did not return her call by XXXX this day she would assume that they were ignoring their repeated attempts to contact them and would seek the 'NEXT STEPS '. I still have the message saved in my voice mail.

I called the number XXXX XXXX left in the message and explained that I did not appreciate the repeated calls to my number with NO MESSAGES left, That her message was the one and only I had received and the person she was looking for does not even live at this address and her message was in Violation of the Fair Debt Collection Practices and XXXX  Privacy Notice. She said she was sorry but this was the number provided, I stated maybe she should have verified the number or verified who she was speaking with before she left all the information on my VM. 
That if anyone had left a message prior to her, I would have called sooner and let them know that who they were looking did not live here. I told her to remove my number from her records, that I do not have any business or accounts with them and I would be filing a complaint with FTC.
XXXX : Case # XXXX The response from Webster Bank is a LIE, XXXX XXXX NEVER had a POWER OF ATTORNEY that would enable her to handle my fathers financial affairs. I attached the Medical Representative document and the Advanced Directive document. 

The contact number listed in the Webster Bank response letter XXXX is THE PHONE NUMBER TO AN ADULT SEX LINE!!! It's NOT THEIR BUSINESS NUMBER!!!
I am filing a complaint in reference to a dispute for accounts that are being reported incorrectly on my credit report XXXX XXXX who holds accounts for XXXX XXXX XXXX. The have continously ignored my request to conduct a proper investigation and report the correct account information. They have not provided me with the documents that their company have on file that was used to verify the accounts. I have sent numerous letters requesting these documents that they have yet to send. Ive contacted to original creditor and they couldnt even send me any information so how did the credit bureau very this? Under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act- they are requested to " promptly delete all information which can not be verified '' that I sent correspondence on. I would like this matter resolved as soon as possible. This is really disrupting my livelihood the blatent disregard to send me the information requested and verify this account.
Nationstar Mortgage has marked flagged my account as missing or delinquent payments. The incident started with Nationstar increasing my monthly payment from {$1900.00} for XX/XX/XXXX to {$2000.00} to cover an escrow shortage of {$100.00}. At no time was I made aware of this increase in any written, email, or telephonic communications. Therefore, I continued to faithfully and on time make my usual payment of {$1900.00} for XX/XX/XXXX and XX/XX/XXXX which Nationstar accepted as payment from XX/XX/XXXX to XX/XX/XXXX. At no time was my payment rejected for insufficient funds. I was finally made aware of this shortage only through a Nationstar loan officer as I was attempting to refinance through Nationstar XX/XX/XXXX as it went through loan processing. I immediately made a payment of {$210.00} on XX/XX/XXXX to cover the shortage for XX/XX/XXXX and XX/XX/XXXX to make up the shortage. At no time was I made aware of a new payment and was under the impression this was just an end of the year shortage. Also on XX/XX/XXXX I made usual payment of {$1900.00} the same day, once again under the impression I was up to date and current on my loan. In my entire history with Nationstar I have never missed or been delinquent on a payment. I was made aware of Nationstar flagging my account as late on XX/XX/XXXX through a credit monitoring service. I immediately contacted Nationstar and was finally made aware of a new payment of {$2000.00} and payed {$100.00}, which posted on XX/XX/XXXX to once again cover the shortage for XX/XX/XXXX. XX/XX/XXXX payment of {$2000.00} has been made and is up to date. After several phone calls with Nationstar I have been unable to resolve this issue of a simple escrow shortage and extremely poor communication from Nationstar. At no time was I delinquent on any payment, as Nationstar accepted my normal payment of {$1900.00} for the months of XX/XX/XXXX to XX/XX/XXXX. For a simple escrow shortage Nationstar has flagged my account and has negatively affected my credit score. I simply want my account restored to non late status and my credit score to be fixed.
I submitted a dispute to XXXX regarding XXXX XXXX XXXX for a collection account that I did not recognize. During the investigation all XXXX Credit Bureau 's place a dispute as well as for XXXX that I did not know at that time it was linked to XXXX XXXX XXXX. When the investigation was complete I received the results online but did not get any verification signature from either company stating that the account was mine. I received a notification on my credit monitoring that XXXX was removed on XXXX XXXX, 2016 then readded back to my credit report on the same day XXXX XXXX, 2016 as a new account. I then contacted the credit bureau 's about reinserting the account without being properly notified.
I was issued late fees to my Target Red Card account despite payments. On XXXX XXXX, 2015, I made a payment to my Red Card account. Despite my payment, in XXXX, I was issued a late fee on XXXX/XXXX/2015. Then, I made another payment on XXXX/XXXX/2015 ; I was again issued an even greater late fee on XXXX/XXXX/2015. I made payments in both XXXX and XXXX 2015, but I was issued late fees in XXXX and XXXX XXXX would like these reversed immediately, including any interest charged in the months since on these disputed fees.
XXXX XXXX XXXX / XXXX is reporting my student loan account information inaccurately. XXXX. of XXXX / XXXX is reporting that I pay a monthly payment of {$1900.00}. The problem is, I have never paid a payment of {$1900.00} because I have either been in forbearance or deferment status. My credit report should reflect accurately what I have paid or that the status in which I am currently in. This inaccurate reporting affects my dept to income ratio which adversely effects my utilization rate which has a negative effect on my credit score which results in me getting financed at a higher interest rate. I have spoken with XXXX several times only to have them tell me to file a dispute with the credit bureau. I have filed a dispute with the credit report only to have XXXX send up the same information. According to the Fair Credit Reporting Act, my credit report should accurately reflect my monthly payments therefore, XXXX XXXX XXXX / XXXX should be reporting {$0.00} or Forbearance or Deferred.
Related Case Number : # XXXX & XXXX Ocwen alleged in their response ( XXXX ) that I claimed they " directed '' me to get a lawyer and discontinue scheduled mortgage payments. ( " We respectfully refute your allegations that we forced you into hiring an attorney and caused you to stop making monthly payments. '' ) I did nothing of the sort. What I indicated was that they declined my applications for assistance in XX/XX/XXXX. My financial situation was exactly the same in XX/XX/XXXX ( DECLINED ) as it was when my next application was begun again in XX/XX/XXXX ( LATER APPROVED ). The ONLY difference in my situation, between XX/XX/XXXX and my later attempt in XX/XX/XXXX XXXX, was that I HIRED AN ATTORNEY and to afford, said legal assistance, DISCONTINUED MAKING MONTHLY MORGAGE PAYMENTS. One unintended, though extremely valuable benefit, was that OCWEN/Lender now had to confront the very high costs of the foreclosure process, maintaining the property, and the significant losses, if & when, they were able to sell it. So while they never verbally, or in writing, " directed '' me to STOP making payments or HIRE an attorney, they behaviors with earlier attempts certainly did precisely that. AS A RESULT THEY CAUSED THE MISSED PAYMENTS & THAN PENALIZED ME FOR DOING SO. 
With regard to the appropriate and required revisions to my credit report they claimed : " We are obligated to report the account accurately to the credit bureaus.. ''. As a result I 'll require PROOF that was in fact a " legal obligation '' ; required by relevant LAWS in place at the time. Also, a complete list of said laws so that I may conduct a review. 
Finally, with regard to eliminating the balloon payment. As with all agreements everything is negotiable. When the market crashed in XX/XX/XXXX I continued to make monthly payments on the loan, ( fraudulently initiated & reported to the NY AG ) at an interest rate several time higher than the lender could have gotten anywhere. So, I personally kept their balance sheet in the BLACK for over half a decade. Their mortgage modification, while lowering on-going payments, adds a balloon payment after 30 years that effectively forces me to buy the home twice. Effectively making me a 30yr RENTER with XXXX Equity. So I 'm merely asking the lender to eliminate the balloon and help BAIL ME OUT in the same way I did them ; by virtue of my continued timely mortgage payments and tax dollars to bail out their mortgage industry.