WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX my lease for my XX/XX/XXXX XXXX is completed. I am going through personal health issues with XXXX, my husband and I thought that the best thing right now is to keep the SUV and fiance the remaining balance. I will be XXXX % honest that some payments were late, but I never had any repocession and I always caught up. This was do to me being ill. Not because we did not want to pay. On Toyota 's side and what they reported to credit agency 's is inaccurate. I tried XXXX times to straighten out with Toyota and dealership. Neither helped. I then have been contacted by both the dealership and Toyota of my expiring lease and what my next step is. I emailed the dealer telling them what my current situation was pertaining to car and health. Because Toyota destroyed my credit - I had to get a co-signer. I had the proper co-signer, more then sufficient income XXXX {$1500.00} a week via spouse ) and that I would be able to put a down payment. Toyota refused. They caused the issue by not reporting properly or every time I faxed ALL their XXXX logs from my credit union magically never got. I have been called a deadbeat by a XXXX XXXX XXXX agent - then Toyota paid ME {$100.00} in good will via claim filed through CFPB. The dealership promised I would get approved no worries. Now not the case and have ignored me since. I have been approved through XXXX other dealership ( XXXX and XXXX ). Now I am in a position health wise I have been given XXXX months to a year to which Toyota was informed. Still did not matter. I have tried XXXX times to correct situation. Now I will be with out a car. This all transpired over XXXX - when I really should have devoted my time to my XXXX children and spouse. I attached texts from dealership saying " Do not worry it will get handled ) .... The new fiance XXXX I am dealing with his very assitant has and is having same issues with Toyota. I have texts from that as well.
These accounts were removed off of my credit roughly a few months ago and once I checked my report days after around XX/XX/XXXX these inquiries were put back on my report with me not being notified from Transunion. 
XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX x2 XXXX XXXX XX/XX/XXXX x2 XXXX XXXX XX/XX/XXXX x2 XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
In 2015 BofA suspended my home equity line of credit because my credit scores had dropped. I had never been late on any payment and there was a XXXX balance at the time. I inquired about the issue and was told my scores needed to be XXXX or above. I paid a 3rd party to help with this and increased my scores to between XXXX & XXXX ( current ). I requested reinstatement of the equity line from BofA and it was rejected. I just refinanced my home with a different lender and was charged {$450.00} to close the suspended equity line, plus {$39.00} for the payoff amount request. The suspended equity line was continuing to damage my credit, BofA would not reinstate it even though I had raised my scores well above the level they said acceptable. I understand charging to close an active home equity line of credit, however, suspending the account, damaging my credit with that action, and not allowing me to close the account without charging me {$480.00} amounts to extortion. I would like a refund of the {$480.00}.
I was contacted twice by a courier service wanting to deliver paperwork to be signed by me for legal action. After the 2nd call, I contacted the company Collection Agency that requested the paperwork be delivered, XXXX XXXX and spoke to someone who was not only very unprofessional, they also threatened me and hung up on me. They provided me with the last payment date of XX/XX/2014 and the name of the company, Care Credit was suing me for the balance owed in excess of {$3000.00}. If this is a legitimate credit company, they should not only know the laws of the Statute of Limitations for the state they are collecting in but should also be professional when speaking to customers.
I moved out of my apartment on XXXX/XXXX/2016. I received a final statement by mail dated XXXX/XXXX/2016 which states that I have 30 days from the date of my move-out to pay my final statement. On XXXX/XXXX/2016 I start receiving automated calls on my cell phone from Hunter Warfield leaving messages that they are a debt collector attempting to collect a debt. Today, XXXX/XXXX/2016, I receive a letter via presorted first-class mail US Postage Paid XXXX bulk mail envelope with what appears to be a postmark of XXXX. This letter says that I am deliquent on my debt to my apartment complex which is not true. Their automated phone calls happen repeatedly, multiple times a day and at all hours, including outside of the XXXX and XXXX boundaries. They are predatory in their debt collection efforts and need to be stopped.
I have just completed a chapter XXXX bankruptcy and it was discharged XXXX/2017. The case was completed and is closed. Navient are now reporting we have now filed a petition for a chapter XXXX and we have not. Our case is closed and no petition has been filed but they are reporting this incorrect information to XXXX and wont updated it.
I was speaking with the XXXX XXXX, extension XXXX, on X/XX/2017 to review a call I had with customer service to close the account. <P/>I said that I was never told about in interest charge that I would be charged after closing my account. <P/>I waited almost 40 days for a call back from XXXX. In that time, I left her 4 voicemails. <P/>She finally called back today, and confirmed that she was on vacation but did not set any kind of vacation away message on her voicemail because a colleague was supposed to check her voicemail but never did. <P/>In that 40 days, I got a negative posting on my credit, waiting for a call back from someone who left for vacation. <P/>I was never advised to pay off a balance while waiting for a call back or anything like that.
When I agreed to a payday loan from Big Picture Payday Loans, I agreed to a XXXX loan and the XXXX interest to repay it. I was only to pay XXXX total as a re-payment. The first of XXXX I paid the XXXX dollars which was the interest payment. So I tried to pay the remaining XXXX on the end of XXXX and XXXX of XXXX the had added the XXXX back on the loan, and stated that I 'm suppose to pay XXXX each month plus the XXXX that I actually received. They did n't say that when I agreed to the loan. I 'm on a fixed income so had I known they were going to do this I would n't have done it. I paid XXXX on the first of XXXX, and again the said I still owe XXXX the are not even crediting my account. I asked to speak with a supervisor and they never would transfer me I kept getting " disconnected ''. I had to close my bank account in order to stop them from causing me overdraft fees. I need some assistance on what I need to do.
I ve been in contact with debtors by phone, email, and also sending out letters trying to get items removed from my   XXXX   credit report and  XXXX  credit report and it seems that iv been getting nowhere so ive decided to contact consumer financial protection burea. There are inquiries from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   XXXX     XXXX , MD  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX  Also there is a an item in collections I was never sent a bill because of the hospital was sending the bill to an address in which I never lived at. I happened to check my credit report and I had (  XXXX  )  XXXX  bills sitting i n collections.The debt collect or furnish information about a medical debt on, my credit report without actually engaging in any proactive steps to collect it, such as telephone calls or written communications  RECEIVABLES MANAGEMENT    XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IN  XXXX  (  XXXX  )  XXXX  Date  XXXX   XXXX ,  XXXX  Amount {$500.00}
I called TranUnion ( XXXX option XXXX then XXXX ) on XXXX/XXXX/16 and spoke to a XXXX in the consumer relation department at XXXX in regards to all my inquiries being removed and added back on. XXXX stated to me that I need to talk to the creditors who reported the inquiry. I explained that I already did and I also explained that I sent TranUnion a copy of the correspondence and explained that I was a victim of fraud and he sees the alert on my account and still refused to help me. The previous advisor removed the inquiries because of the fraud and now it 's back on there. Please help they do n't care about the consumer and the damage this has done to my credit profile.
Comerica bank handles the Social Securities cards. A XXXX lady lost her card so we went in the bank to get a replacement. The banker there convinced her that it would be better if she got a bank card with no fees in case the card was lost again. So the bank took her last {$80.00} ( may have been {$100.00} ) to open her no fees account. What the bank failed to inform her was that the account was no fees after Social Security confirmed the switch and moved the money into her account. They later confirm after they had fee 'd her account to a - {$40.00} was that it would take SS 120 to 160 days to transfer and she would get bank fees till that date. So they took the last bit of money from a XXXX lady then fee'ed that money away till she owed them {$40.00} and they turned her into the credit companies to hurt her credit. This bank should no be handling SS accounts when they have intent to steal those customers and tricked and lied to her. This is robbery and fraud.
I am unable to receive a free credit report from either XXXX or Experian. I 'm under the impression that the verification questions are fraudulent and not allowing to view my report.
I was a victim of identity theft and submitted a police report to verify my statement to XXXX and XXXX. Neither was willing to understand that I was a victim. Someone abstain an auto loan with XXXX XXXX XXXX and innvovate auto loan service in my name without my knowledge and Ive tried for years to have this removed so Im filing this complaint to hold them accountable for the law.
I XXXX have spoke to someone at Quality acceptance which I have a car loan repossessed my vehicle on XX/XX/XXXX .I spoke a several different agents telling me I have 20 days to redeem my vehicle and it will not be a repossession on my credit. On XX/XX/XXXX they reported it repossessed and it showed up on XX/XX/XXXX. I called back and 2 other agents told me it will be changed and will just continue and repossessed will not be on my credit. Everything is not adding up I'm trying to purchase a home due to close which I told them next thing you know I see this info on my credit. How can they do this to my credit when I'm current and they told me I have 20 days and it won't be placed on my credit if I redeem in that time frame. Which it was. Please assist me with this situation. My family needs their home.
Currently have a high balance on our credit card and are struggling to make the minimum payments every month. We have noticed that the interest on our statement every month is more than half of the minimum payment that we are paying. I have reached out to the credit union regarding this matter of lowering the payment since they were the ones that originally issued the card to us, and they informed me to call the card company itself. 

After calling the credit card company they told me that they can not do anything and that I should reach out to the credit union. Spoke with XXXX at XXXX XXXX XXXX on XXXX XXXX, 2017 and he just gave me the run around that he could not really help us at this time. We have always made the minimum payments on time, but with my husband going through XXXX treatment and medical expenses racking up along with student loan expenses and we are having severe issues with our home in CT, I am just looking for something that will lower the interest rate on this card so that our monthly payments could hopefully start making a dent in the balance.
Ally Financial incorrectly put the wrong amount for our car payment and then reversed it. It then took them almost a month to correct their error. In the meantime, the payment that they incorrectly imputed went against us as a late payment. The payment wasn't late. Ally admitted their error and corrected the payment but they didn't take the late payment off our credit report. I was denied credit due to this error!! Our payment was received and posted before the 30 days - their error and reversing the payment caused XX/XX/2018 payment to be " considered '' late. They were contacted repeatedly in advance and this never should have been considered late.
My originating mortgage company ( XXXX ) sold my load to LoanCare LLC in XX/XX/2017. I had already made my payment to XXXX for XX/XX/XXXX. When I was informed of the transfer, I called Loancare to make my XX/XX/XXXX payment, At first, they refused to accept payment for XX/XX/XXXX as they were still waiting for paperwork. Once they received the updated paperwork, i called to make the XX/XX/XXXX payment, and they refused to take it, as they wanted XX/XX/XXXX first. I informed them that XX/XX/XXXX was made to XXXX. And that i was paying XX/XX/XXXX. I called in that payment on XX/XX/XXXX, received my confirmation, and the money was withdrawn. They are now sending me threatening notices of delinquency for being 2 months behind. Loancare is a very unprofessional and uneducated company.
XXXX, 2012, i got a lease from mercedes benz financial services. I was actually a guarantor, not the user of the vehicle. Later that year, my business was shut down because of XXXX XXXX, and I was unable to make timely payments for the car anymore. Repeated attempts were made to explain the situation to Mercedes Benz, for them to take back the vehicle and try to understand that my business was flooded and inoperable. They would n't allow it, and forced the lease on me. I was late in my payments and then finally the vehicle was repossessed XXXX. 

They forced me to continue to pay for the lease even though the vehicle was no longer in my possession, and refused any sort of sympathy. 

Even though I used the vehicle for only one year, they forced the entire three year term on me - understanding that my business was flooded because of XXXX XXXX and i no longer had income to cover the payments. 

I paid out the entire term of my lease, every single penalty payment was made as soon as my business went back on its feed. In the end, i ended up paying almost the full retail price of the vehicle ( with all the penalties they forced me to pay ), for using it for only 1,5 years. And my entire credit history was destroyed. 

Please help, remove this from my credit report as I feel like Mercedes Benz took advantage of a situation that was completely out of my control - and now I gave them more money than the vehicle was ever worth, while only using it for close to a year!
I have a mortgage account that was with Chase Bank. My payments went up very high. I tried to get a modification and was denied. I filed Bankruptcy to keep my home. I did everything my lawyer asked me to do. XXXX While in Bankruptcy, Chase must have sold my loan to SELECT PORTFOLIO. I was never given a goodbye letter or anything. I only found out when I received a letter from XXXX XXXX saying they are foreclosing on my home. My home is a MERS account and the CHAIN OF TITLE SEARCH SHOWS NAMES AND INFO AND TRANSACTION THAT IS NOT ON MY ORIGINAL PROMISSARY NOTE. SELECT PORTFOLIO DOES NOT HAVE LEGAL GROUND TO FORECLOSE ON MY HOME. This is wrong. MANY OF MY DOCUMENTS WERE ROBO SIGNED. PAPERS WERE FORGED. PLEASE HELP ME
I disputed these credit inquires several times before and they ( Equifax ) said for me to contact the creditor. The creditors never responded back. I do n't recall asking these credit card companies to pull my credit reports. Please remove these credit report inquiries as they were n't authorized. 
I have accounts with these companies and they have my personal information. Never authorized these credit checks. 
List of companies and the date of credit check was pulled. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX
On XXXX XXXX, XXXX I file formal dispute Portfolio Recovery Associates , LLC. And requested all documents that validates their claim. All I received was a form letter with redundant information. Then after several attempts to get them to comply with 15 USC 1692g Sec 809 ( b ) of the FDCPA. on XXXX XXXX, XXXX I made a formal request for Portfolio Recovery Associates , LLC. provide me with the legal competent evidence that I have a legal obligation to pay. Again I received the same form letter and documents back that they had sent before. On XXXX XXXX, XXXX I received a letter stating that they would not respond to my request. 

To resolve the problem, I would appreciate your demanding them to comply with the law and provide me with the information and action that I requested. Enclosed are copies [ copies, not originals ] of my records, and letters.
I been trying to get my money every sense XX/XX/XXXX and still as of today I still have nothing I have all the supervisors names I have talked to I kept a record of every time and date and names of whom I have spoken to no one seem to want to help me get my money i 'm on the erge of being homeless I have my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .I keep calling and calling to the point they know that I have been calling every sense XX/XX/XXXX its now XX/XX/XXXX I just called them today as at XXXX XXXX I really do n't know what more to do I have  done everything that they have asked me to do I now have 4 pay roll checks on a card that I ca n't even use here is the amounts : {$240.00}, {$550.00}, {$800.00}, {$840.00} and I ca n't get none of my money they keep giving me a run around and I do n't this is fair to me what so every.
I mailed a check of {$90000.00} to part pay the principal balance of my mortgage with Green Tree Servicing. Account number XXXX. The check was mailed USPS Priority Mail, and I had confirmation of delivery and signor on XXXX XXXX. On XXXX XXXX, I noted that the money had been applied, but split : $ {$2000.00} effective XXXX/XXXX/2015 applied as my advance XXXX payment, and {$87000.00} effective XXXX/XXXX/2015 applied to my principal balance. I called to notify them that all of the money should have been applied to the principal and the effective date should be XXXX/XXXX/2015. I have numerous calls since then - mostly unhelpful and even after escalation and a supposed " rush '' to fix, I still have the {$87000.00} although now applied to the principal, but STILL the wrong effective date of XXXX/XXXX/2015. I am told this morning that it might take another XXXX business days to fix. 

My complaint : why should they split the amount when I had previously called before sending the check stating that the whole amount to be applied to the principal, and why is the effective date still wrong? I can only assume that it is Green Tree 's process to do this as it clearly benefits the company at the expense of the client.
i owed about 2yrs max left on loan.. i signed a 30yr contract and gave them XXXX plus first mortage payment for heartman ship contract..went to court two days later and judge said my house was already sold. when not even went inside my house to inspect it.. sheriff was at my house within hrs and gave me 10mins to collect my stuff.. i was behind bc i just lost my father and my mom was gettting to many XXXX plus i just had a kid and move to florida to be with him.. my first month payment back i told them to to fly a kite.. lost everything the house my dad died in and his great mother stuff plus my greatdad flag and medals from the world.. and whole house full stuff.. i didnt contact a attroney bc just move away from son in flordia and lost dad and house..plus took the last of money and me and mother and sister and bf and thier kid ur homeless overnight..plus they give would give me a copy of they new contract ask several times..
I signed an original contract with XXXX  ( XXXX XXXX XXXX XXXX XXXX ) which obviously sold my information to this other company that I never had no original contract with which was XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ). Also, Public Law 10, Chapter 48, 48 Stat 112. Refers to H.J.R 192 which removed all the lawful gold and silver from the State to pay its employees, and for the People the means to receive pay for sweat equity and pay debt. In XX/XX/XXXX-President XXXX passed XXXX XXXX, XX/XX/XXXX- and since the government had taken the gold, and the People had no money, the government would pay the 'debts ' for the People, thereby giving them unlimited credit. Whoever has the gold pays the bills. This legislation states that one can not demand from you a certain form of currency, since any form, and all forms of currency are your credit. If they do, they are in breach of Public Law, PL 73-10. This law protects the people from damages caused by the Federal & State.
I was told by FedLoans that my XXXX individual XXXX loan were consolidated, but I found out that was NOT true. XXXX of them are unsub and XXXX of them are sub. The starting balance and current balance are as follows ; Original XXXX current XXXX ( paid off {$67.00} ) Original XXXX current XXXX ( went up {$75.00} ) Original XXXX current XXXX ( went up {$260.00} ) Original XXXX current XXXX ( paid off {$130.00} ) Original XXXX current XXXX ( went up {$220.00} ) This has been over a FOUR Year period! The customer support are always very rude and unintelligent. I had to once go into forbearance due to loss of job, and they were happy to help me ( most likely due to interest collected ). During this time they reported to the credit bearueu that I was delinquent when that was not the case. There was XXXX other time earlier in the years that I had to go into forbearance due to no work. So just twice, both times approved. 

I am back to paying my loan again due to a great full time career. I just looked at my recent payment, and it was split up between the XXXX loans. More was paid to interest than principal, I 've even seen times where 99 % went to interest and 1 % went to principal. 

This loan company only wants your money. They will have you pay for decades, XXXX over your credit report, collect money on interest and never pass go. Over the years of paying this loan on time ( except for those 2 times ), I still have n't been able to decrease it below the {$8400.00} mark. {$470.00} has gone to principal, where as {$990.00} has gone to interest. I will never be able to be rid of these people, I feel like it 's a debt owed to the XXXX
We are attempting to refinance our mortgage loan with XXXX XXXX XXXX XXXX. The credit union is not able to make contact with Fist Mortgage for pay off information. I have attempted to make make contact with First Mortgage by phone and e-mail and have not been successful. When attempting to make contact by phone, mail box is full. I sent them an e-mail and have not received a response. I also attempted to login into my account with First Mortgage on the internet and was not successful. After doing a XXXX search I was able to obtain information that their mortgage loans have been sold to XXXX XXXX and to XXXX. I contacted both of these financial institutions by phone and was advised that they do not have our loan. XXXX XXXX did indicate that First Mortgage did not sell all of their mortgage loans. We have received no written notification that our loan was sold and to who it was sold to.