WillisBack/dataset-financial-user-claim huggingface dataset:
My credit report and score have a major impact on my financial opportunities. Toyota Financial services reported inaccurate information to credit bureaus multiple times. TFS investigated the issues and agreed to fix the inaccurate reporting. However no compensation was issued.
This company has repeatedly called my elderly former in-laws regarding my account. They have told them repeatedly to stop calling, and continue to call them. My ex-wife is constantly receiving calls from them complaining. The company has been told they have no contact with me any longer, and continue to harass them. They have discussed the account with them, disclosing the amounts owed. this is completely illegal.
I disputed inquires on my credit report that were not mine and were not authorized and they were not deleted.
Below is the text of the letter I sent to Bank of America. My basic complaint is that B of A kept taking fees from my account without my knowledge. They had never sent me any type of statement to me. If I was aware they were taking fees out I would never have let it happen. I contend that they know of this deceptive practice just to make more money. I received a form letter back that just states that I never maintained a minimum balance. A slap in the face if you ask me. Can you help get my money back? 
Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX MI XXXXXXXXXXXX : XXXXMobile : XXXXXX/XX/XXXXBank of AmericaXXXX XXXX FL, XXXXTo whom it may concernRe : Account number XXXXOn XX/XX/XXXX, I received a letter regarding an account that was being closed from being inactive. It could not be inactive because I had an automatic deposit for {$100.00} going into the account each month. I called the number on the letter and they said that this type of activity is not considered an active action. It seems strange to me. 

After further discussion I was shocked to learned that I was being charged a $ XXXX/month fee since XX/XX/XXXX for 21 months totaling {$520.00} without any notification. This started happening when my B of A mortgage was paid off. I faithfully paid my mortgage for ten years. The nice lady I talked to, XXXX XXXX, discussed with her manager XXXX XXXX regarding refunding my money but refused. XXXX mentioned that she reviewed all the correspondents sent to me regarding this account and could not locate any. 

I am very disappointed that Bank of America was charging me this fee without my knowledge and am requesting the money be returned to me. I believe that it 's Bank of America 's responsibility to notify customers of such fees when circumstances regarding an account change. 

To resolve the problem, I would appreciate a full refund in the amount of {$520.00} sent to me, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. Enclosed is a copy of the only correspondence I received on this account since the fees began. 

I look forward to your reply and a resolution to my problem and will wait until XXXX XXXX before seeking help from a consumer protection agency or the XXXX. Please contact me at the above address or by phone at : Home XXXX or Mobile XXXX. 

Sincerely, XXXX XXXXEnclosure ( s ) XXXX
This company is incorrectly reporting a collection account in the amount of {$510.00} on my credit report. I have no knowledge of this account, have never had a late payment in my life. I contacted Puget Sound Collections to try to rectify this situation as it has dropped my XXXX+ credit score by 75 points! I was treated very rudely, and told they do n't have the phone number for the original creditor and all she can do is mark their file ( not my credit report ) as a verbal dispute. I finally researched this so called " original creditor '' and found a phone number myself. I contacted XXXX XXXX, whom Puget Sound Collections claims is the original creditor, and I spoke directly with the owner of the business. She stated that her company does not even use a collection agency. I did have her search her records for me, which she assured me she has no record of. To be honest, I would like to think I would notice if one of our two cars was towed, but they are both still here ... in my driveway ... where they belong ... because they WERE N'T towed! I informed XXXX XXXX, a manager a Puget Sound,  but she also did not wish to provide any assistance. I have since filed a complaint with the credit bureau directly, but this company needs to have their collections practices reviewed and revised accordingly. It is absolutely unacceptable that I, a consumer with perfect credit history, should be treated with such disrespect and disdain by a company that has zero legal standing. I am appalled and disgusted and I intend to do everything in my power to force this company to abide by the FDCPA and follow legal collection practices, which do NOT include berating a consumer who has no business with them.
Im waiting on approval for the sale of my current home while, I 'm packed up, have utilities already transferred, already spent {$3500.00} in repairs to this home, the buyer had been approved twice and it 's stuck in underwriting. I 'm without cable, been eating out since everything is boxed and my life is upside down. I 've even changed my address. The owners of the home I 'm purchasing are also waiting for this to be resolved. They keep asking for documentation from 2006, now it 's being held up for an addmendment on a child support agreement. His lawyer confirmed its legal. His ex-wife even Confirmed the agreement. Everytime they ask for a piece of documentation they get 48-72 hours to review to give a final decision. Our closing should have happened on XXXX XXXX, movers had to be rescheduled over and over, re-scheduled vacation, dog boarding and other plans had the be halted. There 's no protection for home buyers or sellers. An approval letter should mean approved but that letter, nor the XXXX approval means anything. Underwriters are putting families at risk, holding up our lives, affecting are health by stress that is not nessesary. Why should n't they have to do this work up front? There 's got to be some type of law that protects families from Going through this chaos, of waiting and waiting. I feel its neglect, and home buyers and sellers suffer because of the process that underwriters are given to undertake. They are neglecting time frames, questioning documentation that they are not trained to question. I can tell you if you dig deep enough you will find bad in everyone. No one is perfect and the digging and investigation has to stop somewhere. It 's as if the Mortgage Industry, IRS, and the FBI have merged together to create a process that does n't work.
Company- XXXX XXXX. Account. XXXX. XX/XX/2015. They are reporting on my credit report a negative and inaccurate account I have know idea why its on my credit report. Please have them remove this negative item that is ruining my credit score and life or I will take immediate legal action on their behalf. I would like for CFPB to do a thorough investigation towards this company. Thank you
On XX/XX/XXXX my credit was pulled without my authorization from the company XXXX XXXX. They acknowledged this and sent a letter to all 3 credit bureaus. XXXX and XXXX removed the credit inquiry yet Equifax has not.
This account isnt mine. I tried to communicate with them but is almost impossible. Is an authorized user and is damaging my credit score.
On XX/XX/2018 I was going over my Experian credit report and noticed three different accounts for XXXX XXXX XXXX. Two listed under XXXX XXXX XXXX for {$1000.00} each and once for XXXX XXXX XXXX for {$1700.00}, making this debt appear on my credit report at total of three times for a total amount of {$3800.00}. This is a clear violation of the Fair Credit Reporting act and needs to be remedied immediately. I contacted Experian dispute on XX/XX/2018 and was notified on XX/XX/2018 and there was no change on my credit report. I had no problem with XXXX and XXXX fixing this issue, just Experian. 




XXXX XXXX XXXX
On my credit wise scores it does n't list none of my oldest loans from my bank nor any of my bank loans. I have never even been late on my payments. I believe that if reported that would greatly increase my credit score, thus saving me greatly on loan interest and insurance rates .I would deeply appreciate your looking into this for me. THANK YOU XXXX
The company refuese to remove the credit line from my credit report. I have paperwork to verify that the company said they will remove the credit line in the month of XX/XX/2018.
I CAN NOT GET IN TOUCH WITH EQUIFAX. I WANT TO EMPHASIZE THAT I HAVE ONLINE VERY EASILY LIFTED THE FREEZES I HAVE WITH XXXX AND XXXX, HOWEVER, EQUIFAX PERSISTS IN TRYING TO SHAKE MONEY OUT OF PEOPLE.I HAVE A PIN, I HAVE A XXXX PIN, AND I SHOULD NOT AND WILL NOT PAY XXXX BUCKS TO THESE GOUGING XXXX AT XXXX, ALWAYS THE ONLY ONE TO CAUSE SOOOOOOOOOOOOOO MUCH PROBLEMS. 
I CAN NOT GET MY MORTGAGE REFINANCED UNTIL THESE XXXX AT EQUIFAX LIFT THE FREEZE TEMPORARILY, AND I AM SO XXXX TIRED OF THEM BEING ALWAYS THE ODD DUCK, THE ONE THAT TRIES TO SHAKE MONEY OUT OF EVERYONE. THERE IS NO WHERE TO PUT IN ONE 'S PIN WHEN YOU GO TO THE SITE. THEY JUST WANT TO WEAR PEOPLE OUT, WEAR PEOPLE OUT SO THEY JUST GIVE IN AND PAY THE XXXX BUCKS, THESE GREEDY THIEVING XXXX HERE AT EQUIFAX. 
XXXX XXXX XXXX CAN NOT PUT MY MERGED REPORT TO START THE PROCESS UNTIL THIS PILE OF XXXX COMPANY EQUIFAX LIFTS THE FREEZE. YOU TRY TO GET IN TOUCH WITH SOMEONE OR TRY TO DO THIS ONLINE IT IS A XXXX NIGHTMARE WITH THIS COMPANY.
I signed loan documents with Chase to refinance from a 15 - 30 year and pay off debt. All of the documents related to Loan No : XXXX have been sent via email XXXX/XXXX/2016. I am working with the XXXX person and they are asking for doc 's that were provided to initial loan specialist. About XXXX or XXXX different people at Chase have various pieces of documentation. 
I was blamed by XXXX agent not knowing that my home was held in trust. 
Now I have liens pertaining to " Keep your Home California '' that were missed, and agents that do n't understand the program. 
I am handicapped, and under the care of great doctors @ XXXX. 
Should n't it be easier than this?
According to the Fair Credit Reporting Act ( FCRA ), past due accounts can only remain on your credit report for seven years from the first date of delinquency. My account with XXXX XXXX XXXX become delinquent on XX/2010. The first date of delinquency is in excess of seven years ( 7 ) and should be removed from my credit report. In addition, a collection agency, XXXX XXXX XXXX, fraudulently re-aged a past due debt, making it look like the account became delinquent later than it did. The account has actually been past due in excess of seven years and is also required to be removed. I have filed disputes with the respective credit repositories -- but both accounts continue to be listed as negative / outstanding items on my credit report.
navient did not work with me in efforts to gain lower repayment options that were within my ability to repay in accordance to my income. Though I explained my hardship ( head of household with one income ) navient still demanded high repayment amounts that I could not repay monthly. With navient reporting missed payments to the three credit bureaus each month my credit score has dropped and is continually dropping today dramatically ( if there were logical/realistic repayment options I could have possibly began to pay.
However, being that navient had no desire to work with me to repay debts that has acquired such high interest amounts, I decided to dispute the late payments as well as ownership of the debt to navient. navient then replied with no supporting documents verifying that I owed them nor a promise to pay as I requested them to provide me. Instead I continue to receive harassing phone calls from various numbers at all times of the day, while at work, and even late hours of the night which is unacceptable.
navient also refused to allow me to explore the option to release my parents as co-signers in efforts to provide them relief from the financial stronghold that navient has on their lives. Alongside of that deceitfulness navient created many obstacles when I did attempt to pay them or defer payments. I was charged several hundred dollars in efforts to defer loans just so that my credit score/reports would not be negatively affected.
Since the transition from XXXX XXXX to navient occurred documentation has been altered or is missing. Therefore, navient has not provided me with valid documentation confirming any true or accurate debt to them. With all described, I should be relieved of all obligations to repay navient and all records of late payments, collections or delinquencies on all three credit reports should be forgiven/removed. This should also be done in respect to my co-signers/parents as well.
SYNCB XXXX, FL XXXX Was not informed about the collection. Account was made without authorization
I am filing this complaint because midland funding has ignored my request to provide me with the documents that their company has on file that was used to verify the account that I disputed. I have requested for the original contract papers with my signature to prove this debt is valid. It has been well over two weeks and I have yet to get a response.
We have had d2 management call twice and attempt to collect debt from my wife that she has never had. The company claims the credit card was started through a XXXX XXXX XXXX, a XXXX card they stated was opened on XX/XX/XXXX and closed the following year, claiming " she made payments on the account from her bank ''. The first call stated she owed {$550.00}. Thinking this was from a recent store card she had opened in XX/XX/XXXX, she called the store credit card directly and verified that there was no balance on the card ( this is the first credit card she has ever opened, only ever having a debit card ). She called the collection agency back. When she refused to set up a payment plan, she was connected to the manager who stated she owed {$350.00}. They listed off her previous residence, gave her maiden name, and the manager even listed off her social security number in full, without verification, to me ( her husband ). They made statements that credit cards do n't always report to credit reports or that it might not show up on a credit report since it had been 8 years. They were adamant that there was no possible fraud involved on the account. They were each extremely pushy and would not listen to what we said, would not reveal their client ( seeing as this bank was bought out by XXXX XXXX and no longer exists ), said only that they were a collection agency and insisted that my wife had opened this account. She has never been contacted by XXXX XXXX. This is the first time we have heard anything on this " debt ''. We have checked credit scores multiple times in the past eight years and have not seen any sign of fault or no payment pertaining to any credit card. They were threatening that they would report us to the IRS as a XXXX unreported income. No current information was provided by my wife or myself to the debt collection agency on either of these calls as to current address, last name, or any bank account information. They called from ( XXXX ) XXXX which is a XXXX area code but stated they were calling from XXXX, that the local number was for phone numbers that do not have long distance service or only have a pay-as-you-go phone. They stated multiple times the legal disclaimer that they were seeking to collect on debt and that anything we said could be used to that means, that everything we said would be recorded for customer service and training purposes even using this to keep us from speaking.
I have multiple inquiries that I 've called XXXX and asked them to remove yet they are still there even after explaining that I never authorized nor applied for credit with one company. I sent a copy to XXXX XXXX XXXX that a bill was paid for {$100.00} for XXXX yet that is still on there plus some other outdated information. Seemingly the other two credit reporting agencies can not seem to match either and I am disturbed that my score went down when payments on my few accounts are up to date and that my student loans were forgiven so they should be off. I do hope that this can be resolved as soon as possible as I 'm sick of speaking to various folks who seem to not even live in the USA.
I hope this is not a scam, since I just signed the modification package and made a {$100.00} payment on my loan. I am copying the FTC on this email, just so that XXXX   and it's subsidaries did not cooerce me into signing false documents and making a payment.
I have an auto loan with Wells Fargo Dealer Services. Due to financial hardships I have fallen one month behind and struggle to catch up. I literally work 3 jobs in an effort to catch up on my bills. I have explained this to them repeatedly and have been in constant communication with them on a monthly/weekly/daily basis to set up payment arrangements and work with them. I told them that even though I will always be a month behind, I consistently pay them. They refuse to defer a payment too. Even with these explanations and arrangements, they continue to call on a daily basis ... sometimes several times a day. It is upsetting and it is harassment. It would be different if I was ignoring them ... but I have continually communicated with them. I managed to make a payment last week, and made another one today. But I am currently 4 days late. I can't pay them again, until this same time next month. Even with being only 4 days late ... They are still calling! It is a bit over the top. Especially when you consider all the money they are making on my late fees! I sure wish I could put my name and account number here so when you send comments to them and will know who it is. They sure don't listen to me when I explain and ask them to stop calling 24/7. It won't bring the money any sooner. Obviously if I had it I would pay it! Not an easy group to work with that is for sure ....
XXXX XXXX, EQUIFAX, XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ran an unauthorized credit inquiry on me on or around XX/XX/2017.I never give written, oral or signature to authorized such a transaction. 
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact [ company name ] and investigate such occurrence.

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], In addition, as part of your investigation, I am not understanding how these dealerships have salesmen that outright lie and misrepresent a potential customer or client. I was totally unaware that this gentlemen had done this to my credit.

I have another request that I would like to be honored for exclusion / early deletion for the inquiries that are with my permission and I due to fall off in a few weeks. I humbly ask to have XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX If you have any questions or need additional information, please contact me at address listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Phone XXXX Thank you. 

Sincerely, XXXX XXXX
I was out of work last year, XXXX XXXX if went to XXXX for a credit card for assistance. They said that it was {$25.00}. Monthly payment minimum, but they are charging 22 % interest into the payment and at the same time tell me I can not pay the interest off till the {$1500.00}. Balance is paid off. But am told that my bill payments are including the interest. Thats XXXX the interest I have to pay, and I did n't even recieve that credit card, it was a simple store card ca n't even have a pin attached to it. But chase bank wo n't raise my credit limit so as to pay off XXXX and fix my credit, and the last time I was told to talk to XXXX about my issue since they uses XXXX but the mailer is from XXXX and still denighed why do they not want me to have good credit? I 'm needing to fix my car to get to work I need a new car and a house, but why do they say its too many credit card and too high a revolving balance, the balance was cause I had to go to XXXX for service and then lose the good paying job, but I 'm trying to fix it and no one cares I 'd said I 'd rather pay chase then XXXX cause they falsely charge interest, but am denighed need to get assistance with this I cam pay it down but when constantly changing rules I ca n't find a foot hold and maximum I asked for was {$5000.00} to pay off XXXX and get car fixed, at minimum pay {$50.00} monthly about XXXX rates! But will pay gladly since my housing is affected by no credit or bad credit, bug XXXX 'd like that XXXX XXXX get dealt with for being bad business.. If they can charge XXXX on interest then I should be allowed to get my credit limit raised so that I can avoid them altogether and have maintenance money so my car does n't break down and I lose my job, then am XXXX too.
To whom it may concern, I've been disputing with the credit bureaus ( Equifax, XXXX, XXXX XXXX ) and the furnishers ( XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX ) since XX/XX/XXXX, and as recently as XXXX & XX/XX/XXXX, to have an account removed from my credit report. I've identified all of the inaccurate & inconsistent information that was being reported, and I've sent both the bureaus and the furnishers physical evidence that this account was paid in full to the original creditor as " SATISFACTION OF MORTGAGE '' to which I've maintained constant communication. Their letters and website states If you have documents that release you from this obligation please forward a copy to us. Upon request, I've repeatedly asked proper documentation that identified the original creditor, open/close dates of the account, binding contract ( s ) and other vital information. None of these entities has presented anything tangible thus far ( bureaus and the furnishers ), but they've all ignored me. For example, on XX/XX/XXXX, I've disputed with XXXXXXXX XXXX, certified mail to their Indiana office with information identifying myself, account #, and the release " SATISFACTION OF MORTGAGE ''. They said my letter was illegible ( when I typed ), there was no account #, no signature and that I didn't provide enough information for them to identify the account. The they referred me to their California office and I disputed with them on XX/XX/XXXX, they sent me the same response. Ive disputed with XXXX XXXXXXXX XXXX on XX/XX/XXXX, they ignored me and referred me to XXXX XXXX. I have copies of their response letters. I've submitted my fourth dispute with Equifax on XX/XX/XXXX by certified mail, about inaccuracies with a certain account, days later received an email that showed they were re-investigating the wrong account, after I've provided them with the correct account number. On XX/XX/XXXX, I called their customer service # to rectify the issue with an Equifax representative and they continued to give me grief and told me they couldn't do anything about it. As I've mentioned earlier, Ive pulled my credit report from reliable sources for the 3 major bureaus, and theyre all inaccurate, inconsistent, and the two furnishers have been inaccurately reporting from multiple offices from different states. The bureaus refuse to make the corrections and properly investigate my account. Ive attached copies of my credit reports from XXXX, Equifax, XXXX, XXXX XXXX, the certified release, a response from XXXX of the debt collectors and I've placed RED ARROWS where there are inaccuracies and contradictions. Every time that I've checked my updated reports over the months, information is always different rather than correct. Ive read, reviewed, and Im exercising my rights as a consumer, while these companies know the law and are required to follow the law, but refuse to abide by them.