WillisBack/dataset-financial-user-claim huggingface dataset:
I sent a dispute letter to Toyota Financial regarding the accuracy of my credit report. They replied back with a letter ( which I attached ), stating that they are reporting my account accurately and consistent to the credit reporting agencies. They just violated the Fair Credit Reporting Act by saying they verified information was correct with the credit bureaus when in fact it was n't. Below are the things are that are not accurate and consistent. XXXX shows terms as 0 months when XXXX and XXXX show 66 months Last reported date shows XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. ( How can they have three different dates for this but yet verified it was accurate ) Date last active shows XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. ( How can they have three different dates for this but yet verified it was accurate ) Date of last payment shows blank on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. ( How can they have three different dates for this but yet verified it was accurate ) This is not only a violation of the FCRA but also not compliant with METRO 2 guidelines which is mandated by the XXXX.
Was accepted into XXXX XXXX program by XXXX college, they do background checks before admission I informed of previous charges. Was told I was good to go, gave XXXX for registration fee and started class XX/XX/XXXX. Went through whole course and completed even given class completion certificate. ( Still have ) Well they had a couple of us double check backgrounds before extern and of course the same system used during admissions pulls up my background they said " I was good to go '' on. Well the " XXXX '' charges ( because thats the main thing you cant have on your background when going to XXXX   school ). Walked into a house my friend was waiting at, didnt know older brother in that house sold XXXX to a undercover officer earlier that week. And me and my friend walked right into a XXXX   bust, everyone in the home was charged with the same thing since the actual criminal wouldnt admit. Date of offense was XX/XX/XXXX didnt get it expunged till XX/XX/XXXX. So the school would have seen record during admissions and background check. XXXX from front desk at XXXX college XX/XX/XXXX did state over phone their background checks are accurate, if ever anything missed it wouldve came back with the first couple days after 1st Bckgrnd check. I have spoken with Director of Student affairs who has yet to find background check and stated withdrawal papers states i left do to transportation not realizing I COMPLETED CLASS COURSES, transportation had nothing to do with why i couldnt go to extern. I have filed and contacted Borrowers Defense and student loan comp etc. I was told best thing i did was keep Documents which will prove School Error and not Student error and that I qualify for removal. I have {$12000.00} in debt on acct that all 3 credit Bureaus are still reporting and I couldnt even get certified or use credits. It has my debt to ratio high and preventing me from getting Qualified for loans. I so desperately want to move my family in our first home but I am told I am a Couple thousands to high.
Please do not go with  XXXX   XXXX  credit card or any other deferred interest payment card. I was n't told that it was a deferred interest credit card when the salesmen told me to go with it at the  XXXX   XXXX  store. I have paid {$1500.00} in interest when I was within {$500.00} of paying the card off.   I think it 's anything with Comenity Bank is going to do this to you.
I recently received forms from XXXXXXXX and XXXXXXXX representing Discover Card. They had a judgment against a few years ago, and now they have a second one against me. I had to fill out an itemized form of all of my assets, bank account and income. 

I was never told they were going to do this, because last time I had a case with the cfpb under XXXX there were several cases opened. To stop the judgment and debt. I notified them in XXXX that all I get for income is XXXX, XXXX a month, and medical from the government. I give XXXX every month to XXXX XXXX to pay the cell phone bill XXXX, and the tv bill XXXX the rest is used for whatever bills he needs to pay. We are not married, I changed my name in XXXX to have the same name as my son, and XXXX was fine with that, I have the judge signed copy. Everything like the house and cars furniture washer dryer, kitchen appliances, anything like that he owns and has paid for. I own nothing except under 300 dollars worth of things. I have XXXX in rings, XXXX in facial wash and cleansers, XXXX in shower and bath products, a necklace chain XXXX on XXXX and a couple of pendants XXXX and hair and nail products. that is it. I have XXXX for the month from my XXXX, and that's it. I cant purchace much at all. Thatls all l live on for a month. He will help if he needs to. I don't understand this because I was told by Discover that the debt was charged off, the judgment was taken off and XXXXXXXX and   XXXX no longer had the case. So I don't understand how a lifetime judgment is being put against me, I will never be able to get married, or, bye anything or have anything that is mine. I feel XXXX from this and my XXXX  are getting worse which is what my XXXX XXXX is. Since XXXX, I have been trying to find a doctor to help me, but none can so far. So I am on XXXX for the rest of my life, and can not afford to pay you anything.
For a couple of YEARS now we have had a billing issue where we purchased a home warranty from a company Nationstar ( now they changed their name to Mr. Cooper ) recommended. We paid the warranty company in full, each time a one year policy payment upfront. Yet Nationstar/Mr. Cooper shows overdue payment ( s ) of {$860.00} for this " Optional Insurance ''. We have called several times, sent in the proof of the annual payment, and the consecutive annual payment we paid, including a copy of the bank statement showing all paid at once. 

Upon talking to various Nationstar/Mr. Cooper personnel, they first said " You have to call the home warranty company as they authorized Nationstar/Mr. Cooper to automatically pay from your monthly mortgage payment ''. I called the home warranty company, they said absolutely not, they did not notify Nationstar/Mr. Cooper to deduct that as they show we pay the entire bill upfront directly to them. I did not authorize the deduction monthly, I have asked for proof of such authorization and Nationstar/Mr. Cooper can not provide that proof to me ( because they do not have any such authorization ). 

Even putting Nationstar/Mr. Cooper on a conference call with the home warranty company supervisor, has not stopped Nationstar/Mr. Cooper from continually putting this incorrect/bogus amount on our monthly mortgage statement. We had assurances they would, and still each time I call they say in " 10 days we will send a letter showing the amount removed '' and they NEVER DO! So now our XX/XX/2018 statement STILL shows the amount " Overdue Payment ( s ) of {$860.00} and WE DO NOT OWE AND THEY REFUSE TO REMOVE IT. 
We took their recommendation, bought and paid for the home warranty policy, renewed and again paid the complete annual policy amount, all shown on our bank XXXX Statement and they REFUSE to comply with our request. We are done, we need help and they will not correct this, we ask they be ordered to correct the mortgage statement and put in writing they have done so please.
I advised Navient that I wanted pay off my loan as soon as possible but was n't sure of future income. They advised me that if I place myself in a XXXX year program but make extra payments that I could have my loan paid off quickly without worrying about not making double payments every month. With a XXXX/month payment at XXXX years I was making XXXX/month payments but my principal was never going down. Multiple months they miscalculated how much was going to interest and how much was going to principal. 
I am constantly on the phone with them having them audit the amounts that go to principal and interest. After XXXX years and a total of {$26000.00} paid my interest only reduced by ~ $ XXXXXXXX6.5 % interest. When I consolidated my loans I expected a lower interest rate as a combination of my previous loan average interest rate. However, that does n't seem to be the case. I was never informed of any income based repayment plan.
I financed a mobilehome approximately in XXXX. My first wife left me, and took a large amount of money from my bank account. I was unable to continue paying on the MH. It was repossessed, and I thought it was all settled. Just a week ago XXXX XXXX XXXX XXXX, I received a XXXX for the cancellation of this debt, which by the way is far beyond the ( 6 years ) statute of limitations in Virginia. It would seem to me that Ditech, who must taken over Greentree Lending, should have legally filed a XXXX after the 6 years, which would have been approximately in XXXX. But they did not. They seemed to have waited 12 additional years. In XXXX I was insolvent, and I would have been unable to repay the debt, and a XXXX would not have been so intimidating. However, now it is. I would like to know why they waited over 12 years to send me a XXXX? I 'm sure the XXXX would like to know as well.
A recent storm has severely damaged the roof of our home. We received a check from the insurance company which is XXXX XXXX. The check was made out to my wife, myself and the mortgage company which is Bank of America. The manager of the local branch of B of A told us the check had to be sent to B of A headquarters and they would issue a new check in our name. We needed this money to use as down payment to pay the Roofer to start work. All Roofers here require XXXX % down and balance on the day of completion. This is a one day job. Bank of America has been using every tactic, so as not to give us this money. The roof is seriously leaking and causing more and more damage to our home with every rain storm. My wife called and explained what is happening and pleaded with them to send the money so we can start repairs. They could care less. After 2 months of their nonsense we receive a check for only XXXX % of the total amount. The check was made out to us and the Roofer. We called them and were told that we did not receive the full amount because we were late on last months mortgage payment and this was punishment. When we asked when more money would be released, we were told when the job was finished and not until the Roofer filled out legal paperwork. Again we told them how much damage is occurring and we really need the money to fix it. He told us that 's not the banks problem. We called the Roofer and explained everything that happened. He politely told us that he would not do the work under these conditions, and can not wait for Bank of America to decide when to pay him. All this nonsense over {$5400.00} which is being paid by the insurance company, and not Bank of America. If this roof collapses or water gets into the electrical system and someone gets hurt I am sure things will be different. Someone needs to start protecting the public from the abuses of these banks and their illegal tactics.
Chase card services : amount of {$10000.00}. Account Number XXXX I called Chase bank after receiving my credit report by mail. I saw that their was an account with Chase card which I never opened and their was an amount to pay. I did not recognize these charges or ever having this account opened so I immediately called chase and reported this, then I got hold of all 3 credit companys and placed a fraud alert. I filled a police report in XXXXXXXX XXXX XXXX XXXX wa and also did an online Identity theft report with federal trade commission. I got emailed social security services reg my identity being used. I called Chase bank services again to get an email add were I can mail all my remaining documents, when I called I got a very rude person on the phone and who was talking very disrespectfully and did not want to seem to help at all. I finally was able to get the email and sent in required info that would be useful for them. 

XXXX XXXX XXXX XXXX XXXX loan services : amount of {$8000.00}. Account number XXXX I called XXXX after receiving my credit report and saw that their was also this account opened under my name. I was not familiar with account and never had done business with XXXX. I recvd a dispute form from them, which I filled out and sent back over along with my IDENTITY THEFT police report, my federal trade commison Identity Theft report and my dispute forms from all 3 credit company 's as well.
After numerous attempts to modify my loan I was turned down by Wells Fargo in XXXX. My last alternative is to short sale the home which they are blocking me and denying my ability to short sale the home. I received a phone call from XXXX XXXX this morning XXXX saying that the reason given for the short sale denial is given my past denials for loan modification? Additionally she stated that the senior vice president of wells fargo stated on XXXX not to approve me for a short sale. 

Previously, 3 times Wells Fargo had placed my loan in a short sale without my knowledge. No timeframes no notices were given to me and when I called to find out what was going on, they said the time was up. I then proceeded to request the notification which is mandatory that my loan was in a short sale, from Wells Fargo. They could not produce the letter. moreover I was speaking with the collections department who was masquerading as the short sale department and hung up after I was on hold for an hour. I reported this behavior to XXXX XXXX in the Office of the president. He said he would look into the matter and listen to the telephone calls. 

Now I am faced with an excuse I ca n't wrap my mind around. I complied with what they told me and submitted every requested document. This request for a short sale originated from Wells Fargo. The request to send the offer in 40 days before the sale date was fulfilled and they called back and asked for additional documents which I complied with and then I get the call this morning. This is all coming from " the re-entry department ''. 

This is my last alternative to foreclosure and I understand the basis of denial. Was I not to apply for a loan modification previously? 

I have a buyer ready to purchase and a back up offer ready to go. Please help me not to loose my home to foreclosure.
After several failed attempts to resolve an erroneous balance due on my student loans, it has been determined that I have to file a complaint to get somebody to review this matter. I was contacted by Performant Recovery several times regarding an outstanding balance due on my student loans FROM XX/XX/XXXX. The balance due has changed drastically over the weeks. My outstanding balance with XXXX was {$4100.00}. Performant Recovery is now handing this debt and I entered an agreement with them to repay the balance at a monthly fee of {$5.00} due to unemployment and inability to pay more at this time. Performant Recovery has changed the balance owed to {$17000.00} on XX/XX/XXXX, to {$18000.00} onXX/XX/XXXX, and it now sits at {$18.00}, XXXX owed as of XX/XX/XXXX. I have sent several requests for review to set up a hearing, to no avail.
As previously stated, I set up a repayment plan with Performant Recovery so my income tax would not be affected by this again. I then started receiving letters and phone calls from XXXX XXXX XXXX stating that if I did n't set up a repayment plan with them my income tax would be taken and my wages would be attached. I have not received an opportunity to review or dispute the balance they say I owe and have received any answer except " If I refuse to pay, they will attach my wages and take my federal income tax. '' Finally, my income tax was taken for the year XX/XX/XXXX in the amount of {$4300.00} to offset the student loans owed to XXXX, however this was never applied to my balance! Nobody can answer where the money went and they only transfer me to different offices when I attempt to figure out what happened to the money they took. That money should have settled the debt I owed to XXXX, but nobody knows where it went. This started with me owing XXXX  {$4100.00}. They offset {$4300.00}. That would leave my balance in the negative, but nobody will answer my correspondence to request a review. Hopefully this office can get something done in this matter. Thank you!
On XXXX/XXXX/2014 an ACH Payment was deducted for my XXXX mortgage from my checking account from Ocwen Loan Servicing LLC ( Ocwen XXXX. They stated that they did not receive it.I disputed the claim and the Virginia XXXX XXXX XXXX XXXX assisted me with process. I sent Ocwen another payment for XXXX via a certified check from the XXXX Bank. Ocwen stated that they did not receive this check.I had received a copy of the back of that check showing that it was cashed by Ocwen and they still denied receiving the payment. The mortgage payment eventually with Ocwen after my mortgage was transferred and closed to another provider. I was sent a Check for {$3.00}, XXXX dated XXXX/XXXX/2014 from Ocwen with no letter of explanation. During this process Ocwen placed a late payment notice on my credit report. I file a dispute with XXXX ( report number XXXX XXXX to clear up the error. Ocwen refused to remove the late notice from my record.
My exhusband has XXXX tax leins on his credit. Because we were married from XX/XX/XXXX to XX/XX/XXXX ... hisbtax leins show up on my credit report as negative impact. He just paid them off this summer and i have sent all the information to the ihio attourny general office. The lwins hve been released..but still show on my credit report. Is there any way to remove the negative information from my credit because the debt was kot my own debt ... but my exhusband local tax debt? Thank you. XXXX XXXX ph # XXXX XXXX XXXX. Address # XXXX XXXX XXXX. XXXX ohio XXXX
They call XXXX or XXXX times a day let it ring once and stop. It is getting annoying. Has been going on for months now.
Filed against : ReloaditXXXX XXXX XXXX XXXX CA XXXXComplaint Description : Theft of Money - {$900.00} total. {$500.00} in Reloadit 'Safe ' and {$500.00} on Reloadit card that I can not load to 'safe '. Claimed Tech Difficulties XX/XX/2015 - purchased XXXX reloadit cards for a total of {$1400.00} ( {$500.00}, {$500.00}, {$400.00} ) - After delay of having to try XXXX times to verify my card ( which had already been verified weeks ago ) Both cards for {$500.00} each finally loaded to my 'safe ' I was able to load only {$500.00} to my netspend card. When I tried to reload the remaining {$500.00} in my safe ... I get the error " experiencing technical difficulties, please try again later. The card for {$400.00} will not even load to my 'Safe ' - system says ... you reached your max of {$1000.00} for the day. XX/XX/2015 - still same thing ... can not get my money which I am critically in need of. So I researched the so called 'technical difficulty scam .... thus I am not waiting for months for a resolution nor to file my complaint http : XXXX Called reloadit.com, got run around that the reason my card would not load is because the XXXX card is rejecting it .... Called XXXX and I can load up to {$2500.00} on that card so just another game by Reloadit to steal my {$.00} In same call with Reloadit.com XXXX asked why I can not load my other card for {$400.00} to my " safe '', they said you can not load more than $ 1K a day .... Well I loaded $ 1K a few days ago and have tried to load my {$400.00} repack card everday, since with no luck. Also getting technical difficulties message which we know if fake ... The customer service person said ... let me go and check on that then never came back on line .... Instead got some cryptic message that meant nothing to anyone and then I was hung up on!
I have a car loan through Go Financial Services in which I had been making payments on the car loan as well as staying in communication regarding any late payments. In XX/XX/2017 I made a payment of {$500.00}, {$210.00} above my normal car payment in an effort to help get caught up from a past due payment. Due to some financial difficulty, I unfortunately missed my XXXX and XXXX Payment. I called into the office on XX/XX/XXXX and was told my account had been charged off. I did not receive any correspondence or communication of any kind prior to that stating that my account was in the process of being charged off nor did I receive a charge off date. The representative in management I spoke with was a female and I explained to her that I was calling into make a payment on the car loan and that is when she stated the account was charged off and it would be {$1000.00} to pull the car out of the charge off phase and keep the car from being repossessed. This was quit disturbing being that I had no idea that the account was in this status. I told her I did n't have XXXX but had XXXX that I could pay today and asked if there was any way they could work with me to get the remaining balance paid off. She stated you can make the payment but it would n't take it out of charge off status or keep it from being repossessed. There has been no repossess notice sent out nor could she confirm one. She suggested that I see what I could come up with in addition to the {$300.00} and give them a call back today. My wife and I called and spoke to XXXX ext. XXXX today another manager in the same department who confirmed the call from yesterday and stated I would have to pay XXXX to bring the account out of the charge off department and stop the repossession request. He also stated that they would then place the account back into a repayment plan but there would be no grace period on the repayment, and should I miss XXXX payment they would reinstate the repossession on the car. I asked was there any way if I where able to pay {$500.00} on the fee today could they work with me to take care of the rest. He said no. This was disheartening being that I never received any correspondence relating a charge off pending on the loan and called in 3 days after the car was charged off. According to XXXX the car loan was charged off on Friday, XX/XX/XXXX. I shared my concern with XXXX and asked if there was a supervisor that I could speak with that might be able to help me further and he said no, and that he and the young lady I spoke with yesterday where the only XXXX individuals managing the department, there was no one else. How disappointing that they have no grace to work with individuals who are trying to present options to take care of the fee they where requesting, he stated I understand but we have policy 's that we have to go by. I asked for his information and stated that I would have to contact him back.
We lived in our home for 19 years. As everyone knows, the economy crashed and I lost my job/ business that I had owned for over 20 years. We could n't afford our home anymore and so we moved out. We tried renting it, selling it, we tried everything. Our lender -PNC Mortgage- suggested that we do a " deed in lieu of foreclosure " which we completed in XXXX of 2015. 
Each month since then we get a late notice collection letter that each month has new late charges, interest and fees on this loan that we do n't have anymore. We do n't own the home now. 
They are continually reminding us and hounding us with these notices. I call them each time and they tell me every time that our deed in lieu is complete and that my loan is in maintenance and to disregard the notices. But I keep getting them and this is a very emotional, hurtful harassing thing they keep doing, reminding us every month that we lost our home. We are starting over and trying to forget and get past this terrible time.