WillisBack/dataset-financial-user-claim huggingface dataset:
Remove Address : XXXX XXXX XXXX XXXX, CA Request : Deleted permanently from my credit report. 
Status : Inaccurate account information.
I have been fighting with Toyota since XXXX to report my payments accurately. They have been misapplying my payments since XX/XX/XXXX. Applying full payments and/or partial payments to the principle balance without my consent or approval and therefore reporting me negatively on my credit report. They have gone so far to try and repo my car when I was 15 days past due in XX/XX/XXXX. Luckily the truck driver agreed to NOT take my car that night and would come back tomorrow after I explained it was NOT correct and Toyota had NO right to try and take my car. The next day Toyota confirmed they were in the wrong, waived all late fees and explained the account would be updated to show the loan was current and all would be right. 
They proceeded to do collection calls to my cosigner and XXXX year old grandmother telling her the loan was 3 payments past due and scaring her into making a huge payment to bring the loan " current '' even with a DO NOT CALL on file. They continue to call and harass her every chance they get. every time I call they confirm that yes there is still a DNC on file yet they keep violating that! 
On XX/XX/XXXX I called and spoke with XXXX employee number 2NDC who reviewed the file and agreed that YES they were in the wrong, and I ONLY was due for the XX/XX/XXXX payment and that THEY were applying payments to the XXXX payment and I would have a CREDIT of {$13.00} for XXXX. That being said they continue to show me being due for some days 2 payments, some days 3 payments. They called my grandmother again on the XXXX and told her the loan was due for {$2400.00}!!! Thats 4 car payments. The damage this has caused my family is irreparable. The damage to my credit score worse. This prevents me from licensing for my job as a XXXX XXXX XXXX. I have been denied state licensing due to their continuous errors. 
I do not have another 2 years to fight with them to get this resolved. I need help 1. They are not applying my payments properly since the start of the loan 2. They refuse to honor the DO NOT CALL on file and continue to call myself and the co-signer demanding payments 3. They refused to send a copy of the payment history that I have been requesting since XXXX until XX/XX/XXXX XX/XX/2018
I have account on my Equifax credit report that I am not responsible for. I have contacted the bureaus along with creditor and have had no help with resolving the situation.
my parents have checking account with US bank. My father was financial one.They were overseas and father died in XXXX. XXXX is sick staying in XXXX ca n't make it back. We arranged for me to be her POA and file that with US bank. There were unauthorized charges made on mom 's debit card. We have filed this with fraud department. her card was cancelled and took 2 months to receive new XXXX after numerous calls which XXXX cost my mom {$250.00} because calling from XXXX. Bank 's free ph # did not work from my mom 's location.Here only access to her funds is with her debit card getting money from atm. We have repeatedly told US bank not to use her temp address in XXXX as it prolongs any procedure. She has local XXXX XXXX XXXX that we supplied bank with. And again some form necessary to return in given time was mailed to XXXX which resulted in not being returned on time and her card is on hold so again no access to her funds and to her social security checks! This time I tried calling again fraud dept after 40 mins and after XXXX different people no one could help me and I got hang up on. Local branch ca n't help I was told we have to deal with fraud dept. I tried calling again after 15min hold I had to hang up I 'm at work and ca n't spend half day on hold. This has been the worse institution to deal with ever and specially considering it is about my elderly sick mother who is still mourning her husband and should not have to deal with this! This is just a nutshell we have been dealing with this since XXXX XXXX, 2016. I am very disappointed and do not know what else to do to get this solved.
Over 2 months ago USAA put a security freeze on my account. I have called in a total of 5 times concerning this, and the last 2 times, they have said the issue was resolved. I still can not login to USAA.com " for security reasons ''. I just want my accounts unlocked at this point so I can move them out of USAA and to a better, more responsible bank.
Hello, I truly hope your coolant can help me with this as Wells Fargo has made every excuse as to why this happened. On XX/XX/XXXX, I had charged my card 3 times. First starting with {$300.00} to XXXX XXXX, {$24.00} to a restaraunt here in my ho me town, and {$15.00} to a bar as a friend of mine from of tow n was home. Take in mind all prior charges had for through on the XXXX and I had a little over {$350.00} in my account so after the 3 charges, myy acvount refldcted i had a little over 10. The 3 charges had shown as pending on my end, but the funds went out each time I processed them so i was not worried. I made sure all prior charges were already processed before that day as I had moved to a new banking location as I've had numerous problems with Wells Fargo and wanted to keep at least 10 in the account so Wells Fargo wouldn't close it until I had all my auto payments moved. On Monday the XXXX, I get an alert my account is negative. I checked my account and has no new charges, and all my prior charges had already removed the funds. Wells Fargo tried claiming that I had charges from days before the XXXX that didn't go through. I beg tok differ and fought them on this as each of the charges they claimed against me had already been processed, but miraculously got moved to the transaction date XX/XX/XXXX when these had taken place days priorf and the fuhnds were already removed well before hand which left me at XXXX. I reported them to the XXXX  and got thee same generic response I got in an email from them. Please help me as I just want to be done with XXXX XXXX. I've lost do much mo mry from them in the past and wish I would of just gave up sooner.
On  XXXX / XXXX / 2017 , I applied for a loan with Best Egg to consolidate my credit cards ( {$13000.00}  ). When the loan was approved, the approval document did not indicate the amount of the origination fee ( {$510.00} ). The advertisments for loans of my size and credit score s howed much lower fees. As a result of the high fee, I was not able to cover my credit card balances.
My XXXX 's account is reporting incorrectly to the credit bureaus. XXXX XXXX has not aided in fixing the errors which the credit bureaus require. The account was closed in XX/XX/2012, and I received notification that it was sold to XXXX  recovery and to settle my account with XXXX with XXXX or XXXX. The proof is attached. Upon satisfying my account, the balance was changed to {$0.00} but the account is still to this day reporting as 90 days late each and every month since XX/XX/2012 even tho there is {$0.00} balance and they transferred the debt!. I can't be late on a {$0.00} balance owed, and further since XXXX 's gave or sold this account to XXXX ( attached ) - they should not be reporting anything at all to my credit report.
I requested a loan amortization schedule for a fixed loan rate from my lender PNC Bank and they have denied the request. I do not understand why they will not provide this request I need to now how much is going towards interest and how much of my money is going towards principal because I have had this loan since XXXX and the original amount borrowed was {$88000.00} and the amount has not gone down by much because I owe over {$83000.00} for a loan I have had for nine years and only {$5500.00} paid down on the loan which is a 15 year loan. I am trying to pay this loan off eventually because the mortgage has a balloon attached at the end of the loan payment schedule XXXX XXXX XXXX for the total amount due of the loan {$88000.00} which is the last payment to be made if I do not pay off the loan before this date.
I received an email indicating that my credit score was negatively affected. I immediately checked my credit report and noticed that a place called Diversified Consultants was trying to collect a debt from me for XXXX to which I do not have. I called the company listed and he was very rude and demanded my social security number ( to which I did not give him ). I looked them up online and they are a very shady group with a lot of negative reviews from people that they have been taking advantage of. I need to restore my excellent credit and get this taken off my credit report please ... ... ASAP. Please help me!!
Signed up for a business credit card. Nonetheless, the personal banker made someone who i wanted to hire as a manager as the primary in the account. I was never advised about how the credit card was set up. The primary is no longer associated to the business. I can't close the account, which is under my business, and the primary party keeps using the card. My company is liable for any purchases and I can't close the account or do anything. The bank refuses to answer questions about the CC.I have attached the article of incorporation showing that I'm the only person who own the company. 

I really believe that the personal banker was driven by his own greed to reach sales goals when he opened this CC. The personal banker didn't take the time to explain how he was setting up the account or anything else. 

I have been mistreated by Bank of America and no body can help me resolve this issue.
I do n't owe this debt. i have not lived at the address listed for over 18 years. This is the first time I have EVER heard of a XXXX card or the people who have garnished my wages in regards to this matter. I am being forced into poverty as the result of these people taking a literal pen and writing in almost XXXX worth of charges. on me and throwing my finances in a downward spiral. I am losing everything I have, because of this. I can not afford a lawyer because I am penniless right now. How are they being allowed to do this? This through my bank account into overdraft because I budget for my expenses and paycheck was not enough to cover my bills. I ca n't sleep nor eat, because my utilities will be disconnected in XXXX degree heat in Alabama. How are these people being allowed to steal? I do n't know these people, I have NEVER had a XXXX account Ever! Yet, these people want to steal over {$12000.00} from me. If this can help one person, then it has been worth it.
My lease with XXXX XXXX terminated in XX/XX/2017. I turned the vehicle in on XX/XX/2017. The remaining 2 payments were made. There was to be a termination fee charged if I did not lease another Hyundai within 30 days. We moved to XXXX XXXX on XX/XX/2017 and my intention was to lease a Hyundai immediately. As you may be aware, hurricane Maria struck XXXX XXXX on XX/XX/2017. It was physically IMPOSSIBLE for me to lease another vehicle within 30 days. Dealerships were closed, power was out for months, etc., etc.. XXXX XXXX was notified of the situation and they just did not care. They insisted I pay the fee. I refused based on the circumstances. I filed a formal complaint with XXXX XXXX ( # XXXX ). Hyundai basically said the hurricane was not their fault and they would never waive the fee. My credit score went from being in the 830-850 range all of my life to the low 700 's. I feel at best they should have shown some compassion and waived the fee and at worst they should not have attempted to ruin my perfect credit.
Received a letter Credit Collection Services saying I owe XXXX {$570.00}. I have never had a XXXX account.
On XXXX XXXX, 2016 I called and spoke with a transuion regarding identity theft and unauthorized solicitation of my credit representative informed me that I needed to add a fraud alert on my account and that they would delete the inquiries, and incorrect addresses listed on the profile however non of the above has happen
I received an alert from XXXX Credit Reporting Agency about a collections on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX for XXXX XXXX from what I read on the report. I have not live in Virginia for 5 years while stationed in XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX and now in XXXX XXXX on board XXXX XXXX XXXX XXXX. I do not have an active account with any services outside California except with XXXX XXXX mortgage for my home in XXXX XXXX which has an active tenant living at this residence name XXXX XXXX. Equifax and XXXX will not let me report this fraud or activate a freeze without buying a product.
In receipt of today 's billing statement dated XXXX/XXXX/15 from Wells Fargo and reviewing the previous billing statement dated XXXX/XXXX/15. The total payment due for XXXX/XXXX/15 was {$2400.00}, my deposit on XXXX/XXXX/15 were, $ XXXX $ XXXX {$820.00}, totaling {$2400.00}. In the XXXX/XXXX/15 billing statement the unapplied amounts were {$810.00} and XXXX. In today 's billing statement I know have total unpaid payment of {$2400.00} and a total payment of {$3300.00}. According to Wells Fargo there is also {$540.00} in unapplied funds balance. In previous correspondence, this is exactly the frustration that I described when having to deal with the Executive Offices and in particular XXXX XXXX XXXX XXXX XXXX XXXX. Which you will see in the previous dispute letter, I requested to have another point of contact assigned to me, due to her lack of knowledge, unprofessionalism, passive aggressive behavior and her inability to control herself, as she constantly talks over the client. I have additionally sent out a direct email to the CEO of Wells Fargo, in hopes that this request will take place. Due to the nature of my work XXXX XXXX XXXX XXXX and my hours of operation ( XXXX-XXXX/Monday thru Saturday ), it was my request that I not be contacted in those time periods. Today I received a phone call from XXXX XXXX at XXXX after I specifically requested, that in those times not to be contacted. Due to the safety and security of the Railroad workers, with whom I protect. In true fashion of XXXX XXXX and the Wells Fargo Organization and the lack of disregard for Railroad Workers personal safety, she continues to pick up the phone and contact me. Thus showing her passive aggressive boldness and utter lack of respect. It baffles me that Wells Fargo can not show where my deposits were applied to my mortgage account. The only response from Wells Fargo is, " We 're working on it ''. I have my records to show deposits made and unapplied funds to my account, which sit collecting interest on a daily basis. I have requested all correspondence in writing, as I understand and can digest everything more clearly in that manner.
I've spoken to XXXX on numerous occasions and even filed a previous complaint. However in trying to get to the bottom of the issues I've have discovered new problems. One being a constant contradiction in information, I was told unverified student loans were given out for more than needed regarding educational expenses to help cover student financial situation while in school ... .. However is said on the promissory note you will not use funds for anything other than educational expenses ... .. which on the contract is signed with a computer generated x, ( not my signature ) nor was ever discussed. Secondly I was told when the loan was originated the interest rate was 15 % total amount paid would be XXXX XXXX. ( just recently discovered as disclosure was never given ) When I began paying the loan it was 5 %, and had changed as it is variable ( still waiting on the details of all interest rates ) yet I will still pay XXXX XXXX??? How is That? It should have changed with the changing interest. I was also never given the disclosure, when I called and asked for all documentation that would have been given on the day of origination I was given the promissory note but no disclosure, when I filed a complaint the disclosure was sent ... ..interesting. thirdly, I was told after 24 payments my cosigner would be dropped, wrong again must pass credit worthiness, which means a hard pull on my credit. Which I've already tried and was denied. I was denied to refinance with two separate cosigner, one of which was the original  cosigner. I can no longer afford payments and there is no help offered by XXXX. Ive already paid XXXX XXXX the loan was for XXXX XXXX and I still owe XXXX XXXX ... ... this loan has broke me and I'm left without options
I did payment  XXXX  last  spring  but after that since. They supposed to send to me another bill left is {$110.00} balance. I would like to pay off this  XXXX  as soon. Also, I need they send to me bill for Wakefield by   XXXX   XXXX   XXXX     {$170.00} as soon. I can pay off this {$170.00} because my credit score will go up. When I get this both bill then I can pay off. I will be happy. Also, I am trying to look old collect and I can small payment to complete. Please let me know as soon.
This debt comes from XXXX Bank and list for {$1000.00}. Someone used my social security number with XXXX and set up an account and never paid for it. I need XXXX XXXX to clear and update this debt as positive and remove it from my Experian report. I am refinancing my home and I can not until this is corrected. The fair and honest thing to do is to have it removed as I have been a victim of idenity theft and that has been reported on my credit reports.
Received a call from Pro collect Inc saying it was an attempt to collect a debt. I called back and just gave my first name and they said they were collecting a debt from XX/XX/XXXX-XX/XX/XXXX that was for {$210.00} from a company Id never heard of. Sounds like a utility distributor. I never have received any letters of this debt they said theyve been contacting me about since XX/XX/XXXX. They had an address on file for me Ive never lived at. I asked for proof theyve tried to call my phone number at they just called, that Ive had for 5 years, and they said theyre calling now. When I asked for proof from Their agency they said XXXX it. When I asked for proof of the place Im in debt to they said XXXX it. The person said theyll mail out proof to the address they now requested from and said I have to pay the debt in full by Monday. Its tuesday and Thursday is a holiday and then a weekend. Theres no way to get their letter and do research by Monday. Highly suspicious of this group
We received a " virtual '' prepaid Citi Visa card containing {$250.00} XX/XX/XXXX. When we tried to use it XX/XX/XXXX we found that it expired XX/XX/XXXX. I subsequently learned that the federal CARD act requires prepaid Visa cards to not expire in less than 5 years. I contacted Citi, but they refuse to extend the expiration date. I have uploaded a file containing an email I sent to Citi requesting the extension, and their reply in which they claim their card is exempt from the legislation.
I have been wrongfully denied a mortgage relief modification under HAMP by Bank of America on at least 2 occasions both in XX/XX/XXXX. The reason they stated for denial is because alleged Investor Owner to my mortgage is XXXX XXXX by way of a merger with XXXX Bank who allegedly received an assignment of the Deed of Trust in XXXX. Apparently XXXX XXXX DOES NOT participate in HAMP and thus BOA can not offer or grant my modification. My research on the XXXX online system shows that the mortgage is owned by XXXX not XXXX XXXX who received an assignment fraudulently executed by a person named XXXX XXXX who falsely claimed to be an employee of XXXX as a Assistant Secretary when in fact she is actually an employee of Bank of America in XXXX, XXXX. XXXX never held or possessed the legal capacity to sign the assignment that was recorded against my property. This assignment is based on FRAUD and False Statements. BOA is standing by its decision to deny my mortgage relief modification because XXXX XXXX does not allow it which is against HBOR in XXXX. 
Now they have a pending foreclosure sale date on XXXX XXXX, XXXX in an attempt to steal my family home.
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I applied for a home equity loan in XXXX 2016. I was pre approved in XXXX. Wells fargo ordered a full appraisal of the home. when i received the appraisal back it was clear the to appraisal company did not calculate the square footage of the home correctly underestimating the square footage by over XXXX square feet. I brought this to the attention of Wells Fargo and they agreed an error had taken place. They escalated the complaint ultimately to the executive resolution specialist who after months of delays of supposed 'research ' sent me a form letter that home values are subjective and they are closing my application. There was not even a an attempt to address the fact that the appraisal company used a square footage that is over XXXX square feet smaller than the home liste square footage at my county.
Global Receivables Solutions is attempting to collect a debt I have on a medical bill from XXXX XXXX XXXX XXXX, and have been doing so for the past 2 years. 
However, I am already paying this debt back through a different agency called XXXX XXXX XXXX XXXX XXXX, and my account with them is open, in good standing, and has been since XX/XX/XXXX and has not been transferred to any other agency. 
This is the third time Global Receivables has attempted to collect this debt, and the third time they have been able to attach a collection notice to my credit report. 
On Friday XXXX XXXX, 2016 the most recent collection was removed from my credit report after I filed a dispute. However, XXXX XXXX, 2016 the notice is back. 
This needs to be corrected immediately, and I would suggest that the FTC look into this companies practices for debt collection.
I charged {$5900.00} on my Citibank credit card in XXXX XXXX. I disputed the amount on or about XXXX XXXX. The disputed amount was credited to my account in or about XXXX XXXX. Then in or about XXXX of XXXX my credit card was charged once again for the disputed amount, with no written explanation as to why my card was recharged.
My online/web account with Discover Student Loans has been limited for several months now - apparently due to problems they are having with an upgrade ( or so they tell me ). Every time I log on to the online system I am greeted with these error message : " Access to your account is limited at this time. Please call customer service at XXXX for further assistance. '' " Due to system maintenance your Account Center payment history may be incomplete. We are currently working to resolve this issue. We anticipate the issue will be resolved in a few days. In the meantime, for complete payment history, please see your monthly statement ( s ). We apologize for any inconvenience this may cause. '' These website issues prevent me from paying my monthly loan payments online, downloading copies of my monthly statements, and seeing other pertinent and important information related to my loan. 

I have tried to contact Discover Student Loans numerous times via phone, chat, and their online messaging system and keep getting useless responses - from they are working on it, to generic form responses that do n't even apply, to some of the representatives I spoke with not even being aware of the issues. I have sent numerous emails to senior managers/executives and they have not responded. I have requested that they suspend my monthly payments ( and interest accumulation XXXX until they can get their act together and fix this, but they have not done so. I have been forced to waste time making payments via phone calls and do not feel comfortable continuing to do so.
Paypal has been limiting, freezing, and holding random accounts so the money that 's in the account can not be used/accessed so they can use the money they freeze, to operate their business!