WillisBack/dataset-financial-user-claim huggingface dataset:
The creditor named on my credit report, does not own the debt and can not offer me any means of satisfying or paying the mentioned line item or debt. This is illegal. Any company who lists a line item on someones credit report, MUST BE the company that can accept payment or other means of satisfying the debt. how can i fix something, if they do not offer me a means of doing so. Creditor Name is a VERY IMPORTANT THING lol this is not to be taken lightly. This would be like naming the wrong person in court, the case would be immediately dismissed. The wrong creditor name is a very important part of the terms of the mentioned debt
XXXX XXXX XXXX, phone number XXXX, reported to Experian, a credit reporting agency, account # XXXX, original creditor ( XXXX XXXX XXXX ), that I had used their electricity and owe {$1100.00} worth of electricity, I live at XXXX XXXX XXXX, for more then ( 10 ) year, and do not pay for any utilities, it is all included in my Monthly bill or rent. I never live at any other location, five year ago, I filed for Identity theft, with my local Police department, Experian refused to clear my name, they have another account # XXXX, XXXX XXXX for ( 10 ) year they refuse to clear
This is about Toyota Financial Services. 

I sold a car to a Toyota dealership. I had a remaining balance in an auto loan with Toyota Financial Services ( TFS ). The dealership paid off to TFS right away, but hasn't paid a remaining amount of money to me yet after 2.5 months. The problem is TFS released the lien to California DMV without checking the dealership has paid me.

This might be a general issue with auto financial institutions that customers don't have a way to be saved in the case a dealership ( or a buyer ) refused to pay and a financial institution released a lien to DMV. I can see financial institutions wouldn't care beyond what they are supposed to get paid. But, this puts customers at an unfair situation that they don't have a way to enforce payment from the dealership ( or the buyer ). 

Events - XX/XX/XXXX : Sold a car ( XXXX XXXX XXXX XXXX ) to XXXX XXXX XXXX, XXXX, CA. The dealership ( buyer ) to pay off {$6600.00} to TFS and pay {$6900.00} to me ( seller ). 
- XX/XX/XXXX : TFS released the lien to CA DMV.

- XX/XX/XXXX : 2 months passed. I contacted the dealership to the status. They claim TFS hadn't released the title of the vehicle. ( I haven't checked with TFS if this claim is true. ) - XX/XX/XXXX, and XX/XX/XXXX : I kept contacting the dealership. They kept saying they will check but no status update. 

Either of two happened : ( 1 ) TFS received a full payoff money, but hasn't released the title to the Toyota Dealership. 
( 2 ) TFS released the title to the Toyota Dealership, but the dealership holds the money with no legitimate reason. 

The point of this complaint is about ( 2 ). If ( 2 ) happens, there doesn't seem to have a way to control the bad behavior of a dealership. What I suggest is for financial institutions make sure the promised money actually transferred to the customers ( like in buying a house ).
Duplicate XXXX XXXX XXXX accounts belonging to my ex husband are appearing on my report. I am not responsible for this delinquent account, and have court paperwork to show this. This company has not only fraudulently reported this XXXX XXXX XXXX  account, but they have sold it to another debt collector who is now also reporting it with a slightly different amount. Transunion has failed to fix this problem despite multiple complaints, and this error is now preventing me from getting a favorable interest rate on a car loan.
There is a business credit card that was taken out by the company I used to work for. That company went out of business, and now Chase is asking me to pay the card off. I never agreed to be personally liable for this card, and only 3 months ago did this account suddenly appear on my credit report. 

Chase refuses or is unable to provide me with my online or written consent to be personally liable for this account. They refuse to respond to multiple debt validation letters I have sent about this account. Instead, they sent me a letter stating the put a Cease & Desist on all of my accounts I have with Chase including my personal checking,  savings, and credit card accounts.
There was not a bill from the nonprofit XXXX hospital that I visited. They had agreed to see me with no charge since I did not have any income or any insurance. This was all agreed upon before I was seen. I do not owe this collection agency anything and this must be removed from my credit report.
Re : Chapter XXXX Dismissed Bankruptcy Docket # XXXX filed XX/XX/XXXX 2011 I am disturbed that the credit bureaus continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, these credit bureaus have no right to maintain information which the government has deemed nonexistent. 

Also, I filed this bankruptcy in XXXX County Court in XXXX, NC on XX/XX/XXXX 2011. I have never been to XXXX County which is the information being reported on my credit file. 

Regards, XXXX XXXX
Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
I closed my account with American Express on XX/XX/XXXX. Since that time I did n't receive a single payment reminder through emails which the American Express was used to provide me. During that time, I moved to a new address and suddenly I get a bill of late fees on my account from XX/XX/XXXX to XX/XX/XXXX. I spoke to the customer services and she was able to waive the charges for the month of XX/XX/XXXX but refused to do so for the month of XX/XX/XXXX. I offerred her to pay all the charges until the date of XX/XX/XXXX but she refused and kept insisting that I must pay her {$120.00} including the late fee that was imposed after I closed my account.
With illnesses and family things My family has been experiencing a financial hard ship since beginning of the year. Missed a payment due XX/XX/XXXX that I did pay and make current on XX/XX/XXXX. My family is trying to refinance to pay off debt bills and get us out of this situation I spoke with Carrington in XX/XX/XXXX and they were very helpful explained that I needed to write a letter and fax back they would have it removed the lady was very promising and gave me such relief. So we immediately faxed in the letter they then notified me by mail to fax in a second copy signed which we did as well two days later and now it 's XX/XX/XXXX I 've never heard anything backed so I called them yesterday and they said they never received the 2nd fax. Which we have fax confirmation it was received. Did n't give me any information on what to do next and she was very rude and told me I should ask my husband why the payment was late and if it was his fault. I 've been a homeowner for 9 years and have just this one 30 day past due notation out of 9 years of payments keeping me from being able to move forward with my refinance to be able to fix the financial strain my family is experiencing. I just want them to honor what they told me initially in writing and sending them the letter.
Green Tree ( for Georgia ) I paid my {$1300.00} mortgage payment on XX/XX/XXXX, due XX/XX/XXXX, the same amount I always pay. However, escrow caused the amount to change. Therefore, I owe {$34.00} in addition to what I paid on XX/XX/XXXX. XXXX, XXXX called me today, XX/XX/XXXX, at XXXX XXXX., threatened me, said if I did n't pay {$34.00} by the close of business today I would be charged {$54.00} late fee. And it would go on my credit. Why did n't he call sooner? Because he will take my money over the phone for a {$12.00} transaction fee. **So I must immediately pay {$34.00} plus {$12.00} payment fee, or be charged {$54.00} late fee. ** I did n't pay it. He harassed me about next month 's payment, when would I pay that, and it 's not due until XX/XX/XXXX. I make payments usually before the due date each month. 
Only one number for Green Tree : XXXX -- XXXX, XXXX is rude and wo n't help me, said I would be charged the late fee if the full amount of my mortgage payment was not received today, XX/XX/XXXX. I tried to get a payoff amount, and ca n't get that. I contacted the only other number I could find ( refinancing ) and they would n't even help me with a payoff amount! They hide like mice behind one phone number with very few options. Also my social security number is never recognized by this loan.
I have recently pulled my Experian credit report and notice accounts that have been investigated and deleted by another credit bureau still being reported by Experian. Attached to this complaint is proof that these accounts were deleted. Please follow suite and delete these accounts for accurate reporting. I am asking they just be deleted to show my true credit history. XXXX has removed all accounts associated with XXXX XXXX. These collection agencies were reporting the following accounts from the following original creditors : XXXX XXXX acct # XXXX XXXX Creditor
I send this letter to file a complaint and to inform you that PNC Bank and their investors are in the process of rejecting my attempt to have a short sale of my home at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. My current economics simply do not allow me to pay this mortgage and a short sale is my most logical option for me to financially get back on my feet. I have asked PNC Bank what else do I need to do or prove to receive financial assistance in the form of a short sale and they choose not to pay attention to the facts and details that have brought me to this moment. I was told by my former employer of 13 years that I was going to be terminated at the end of 2016 and I scrambled for several months to find a job I was qualified for which happened to be more then 100 miles away from my home in XXXX. By moving and taking this new employment in north XXXX, I also accepted a pay reduction that will come out to nearly {$30000.00} less annually than what I made previous years. A comparison of past pay stubs will support this. I have a rental property that is operating at a negative cash flow rate, which is another major contributor to my economic troubles and is also a candidate for short sale/foreclosure. Im also in the process of recovering from a failed business attempt to open a pharmacy. Previously I had marked a XXXX XXXX Money Market account as a personal retirement / investment account which at one point had over {$85000.00} in it and it is now reduced to nearly {$15000.00} which will be reduced even further to pay off other debts associated to this failed business opportunity. Based upon all these factors, is there still no way to approve this short sale or at least have me pay forward a penalty so I can come to a settlement with PNC? PNC Bank refuses at this moment to listen to my requests and has decided to list my home for foreclosure on XX/XX/XXXXof this year. Please help me. Review my file with PNC Bank and please help me come to a resolution where I may avoid foreclosure and financial ruin to my credit.
On XX/XX/XXXX I contacted CCS regarding a debt collection on my credit bureau. At that point, I had advised that I had never received a validation letter ( the rep gave an address in XXXX KS ) I then got a call from my old roommate advising they got a letter at XXXX XXXX XXXX XXXX XXXX KS regarding my debt stating I had a Settlement opportunity. As I advised I no longer reside at the address that letter was sent to in XXXX, KS This means that the validation letter went out and your rep not only disregarded this fact but sent an additional letter to the XXXX address knowing it was incorrect which violated my right under which I feel violates my rights under The US Privacy Act of XX/XX/XXXX 4 U.S.C. as well as violation of 15 U.S.C. Section 6801-8609 also known as the Gramm-Leach-Bliley Act. 

FDCPA/Kansas Consumer Protection Act On XX/XX/XXXX I called CCS and advised I had not received any validation notice and spoke with a XXXX who made a demand for payment on the account. I had advised under Section 809 of the FDCPA that they are required to send validation within 5 days of contact to which they had not done, I made a settlement offer which was immediately rejected and not proposed to her client, and advised I thought they were required to have their client decline the offer first. I was then transferred to XXXX XXXX. XXXX XXXX advised they were waiting on an itemization before sending out the validation letter. 

This is a clear and blatant violation of the FDCPA, as well as FCRA, as the item is still reporting to my XXXX credit bureau. I feel this is a violation of K.S.A. 50-623 ( known as the Kansas Consumer Protection Act ) as first I was in the validation window since I never received a validation notice, the account had been disputed, and an offer was made for settlement which CCS and its employees were legally required as well as had a fiduciary responsibility to take to its client which it did not. 

Additionally, I contacted your office on XX/XX/XXXX requesting your fax number and if you had an in-house attorney. The rep said yes and refused to provide this information. Please be advised I recorded the call and have a copy of the recorded conversation that adds to my claim regarding your deceptive practices.
going back about 5 years ago, navient reported to the XXXX New York state, that my parents plus private loan was in default, and the following amounts were garnished from my federal tax returns, according to the XXXX : XXXX XXXX, 2014 {$1000.00} XXXX principle XXXX interest XXXX other? 

XXXX XXXX, 2014 {$1700.00} XXXX principle XXXX interest XXXX other? 

XXXX XXXX, 2014 {$190.00} XXXX principal XXXX interest XXXX other? 

For a total amount of {$2900.00} This was illegaly taken from my taxes as we put all my sons loans in deferment, and this should have been included. the loan went into default and they took the money. Navient and XXXX XXXX, told me that these loans could Not be put into deferment or forebearance and since they were not paid they took my tax return funds shown above. 
My sons current loans INCLUDING this loan are now in forebearance or deferment, which is troubling. This all started when the entities above, XXXX and navient, said they could NOT be included in the XXXX actions refered to above.I WANT my money returned and the amount re-added to the current loans all in deferment, as it never should have been garnished. these loans should ALL have been in deferment or forebearance since day XXXX XXXX This has caused a financial hardship during that time, and started many arguments with my son. Navient sent me letters sometimes XXXX4 times a week demanding money and being very unprofessional and rude to put it mildly..
I have contacted EQUIFAX XXXX times in writing and requested that they remove '' acct in dispute by customer '' and they have failed to do so.
XXXX XXXX XXXX XXXX and Experian are not updating this balance correctly on my credit card. I would like for this cc to be updated with a XXXX balance
I have a Barclays Apple Visa card. I contacted Barclays via a website message to add a 0 % financing promo to my account because I was planning on making a large purchase for the holidays. I then followed up via telephone to make sure the promo was indeed added to my account. A copy of my website correspondence is attached. Despite this, when my purchases posted to the account, they were not placed on the promotional financing plan.
XXXX XXXX XXXX is threatening to send my file to a collection agency and file on my credit reports even though I am paying every month.
on XX/XX/2018 I sent a certified letter to Transunion, asking for them to investigate items on my credit report. I got a letter saying it was verified in which i sent another certified letter asking for proof of signature and also how did they verified this account. I was sent a letter saying they where not going to investigate the items any longer.
On XXXX XXXX, 2015, the account ( XXXX ) on XXXX purchased my XXXX mini XXXX XXXX Wi-Fi, for the amount of {$450.00}. The account owner, named XXXX XXXX XXXX, requested an invoice for the transaction, which I provided immediately. Then I received automatically generated emails from ( what I believed were ) XXXX, notifying me of the transaction complete, and from XXXX, congratulating me on selling my item. Since, I believed that I had received the payment from the buyer, I shipped it to the buyer with overnight priority ( which I charged to the buyer as an additional {$86.00} ), as we had agreed upon. Unfortunately on XXXX XXXX, 2015, I received an automated email from eBay stating " We had to cancel bids and purchases on the following item ( s ) for the buyer, because they were made without the account owner 's permission ''. Upon further review of the communications that I had received from " XXXX '' ( email address : XXXXXXXXXXXX ) and " XXXX '' ( XXXXXXXXXXXX ) in regards to this transaction, I realized that although the emails appeared to be very authentic, they were in fact fraudulent and malicious. The email correspondence that the buyer provided was XXXXXXXXXXXX The XXXX tracking number that I provided to the buyer after shipping the XXXX to her, was : XXXX And the address that she requested it be shipped to was : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX This address was different than her address that was provided on eBay.
My earlier complaint was satisfied by Bank America. The complaint was filed on XX/XX/XXXX, complaint # XXXX. There was fraud in my son 's checking account. After our complaint was filed, the money that was withdrawn from our accounts was returned. We were satisfied, and maintained our Bank America ( BOA ) accounts. To our surprise BOA apparently revisited the issue just this past month, and claimed my son was responsible for the fraud, & then raided it of all funds and closed the account, which is held jointly with me. The account without any warning was suddenly closed on XX/XX/XXXX. When we called they told it was because of the earlier fraud and that the money needs to returned. Bank America than raided my personal account, and took an additional {$770.00} out of my account. All this was done without explanation. I'm attaching a pdf of the XX/XX/XXXX letters, announcing the closing of the account and the withdrawal of funds from my account. The letters do not explain the reason for why the money was taken out, or the reason for the closing of our joint account. I've called Bank America numerous times. One representative promised that he would investigate, and would get back to me. But that was two weeks ago. When I call I get transferred from one BOA division to the next. I've wasted a lot of time on the phone repeatedly telling one representative after another the past and the present. No one is able to explain. They seem unaware of their earlier letter recognizing that my son was a victim and not responsible for the fraudulent check deposited into his account.
I have had numerous calls to my work by this debt collector. They have left messages with my mother that they will be coming to my work, and in their words " would not like what happens ''. I feel threatened on a daily basis that someone will show up at my place of employment.
XXXX reported on my Transunion Credit Report on the following dates : XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15. I did not inquire any information regarding this company. These are XXXX hard inquiries.
My student loans have been transferred from XXXX XXXX to Navient. After this change occurred, it is no longer possible to set up an automatic debit greater than the minimum required payment. This capability was available before the change. 
This clearly puts additional burden on anyone attempting to pay off their loans ahead of schedule, as manual payments would be necessary on a monthly basis to achieve the same effect. Further, it works to the benefit of Navient if their debtors have difficulty making payments greater than the minimum, as it makes it more likely they will be able to collect additional interest. 
Therefore, I am submitting the formal complaint that Navient has effectively changed the terms of my loan repayment without my consent, and unfairly increased the burden on their debtors to their financial advantage.