WillisBack/dataset-financial-user-claim huggingface dataset:
Toyota Financial Services erroneously ( perhaps fraudulently ) issued both my wife and me IRS XXXX XXXX claiming excess wear and tear on leased vehicles. These were issued erroneously because, for a debt discharge to occur, the amount of the obligation owed must not be open to any real dispute as to whether or not it 's actually owed. These are and always have been vigorously disputed and never documented. 

Additional pertinent facts : 1. These charges were repeatedly disputed under the Texas Fair Debt Collection Practices Act. We were never provided any photographs or repair bills supporting their claim. 
2. Toyota periodically reassigned our accounts to different collection agencies. Each time we asserted our rights under the TFDCPA they ceased collection activity without providing the requested documentation. 
3. Toyota 's own website includes numerous examples of excess wear and tear, none of which were on our vehicles. ( My wife and I are XXXX+ year old XXXX 's and these are XXXX Toyota Camrys. We are not exactly hard on cars. ) 4. The dealership inspected and accepted our vehicles upon return. The charges were " surprise bills '' that came later, with no opportunity to further inspect or effect repairs on our own. 
5. Finally and perhaps most importantly, this is internally generated revenue to Toyota. They choose an amount, and once the vehicle is beyond the customer 's control, send the bill. They simply have not documented that they incurred any actual repair cost. Debt discharge can only exist if, and to the extent that, the lender has taken an actual cash loss. 

In summary, these XXXX forms were issued for losses that can not be documented. In talking with several of the collection agencies assigned to these accounts, it appears that Toyota regularly tacks on these additional charges as yield enhancers and this is a common practice for them.
I found a charge on my monthly statement to XXXX that I did n't recognize. I then called XXXX and talked to their customer service department. XXXX at first would n't tell me what was ordered. Then they told me that it was sunglasses and it was sent to XXXX SC. The other side of the state where I do n't know anyone. They said to file a complaint with the credit card company and they would refund it as it was obviously a fraudulent charge. 
I called the number on the walmart Synchrony bank card for the customer service department. They submitted a complaint of a fraudulent charge. I asked them to cancel the card and issue a new number and a new card. They did so. 
A month later they denied the claim and put it back on my account. 
I called again and filed a second complaint. They did a review and sent me the paperwork that shows that sunglasses were purchased and sent to an address that is not on the account. I told them to put the people at that address in Jail and refund my money as I had Nothing to do with the charge. 
That claim was also denied. I called customer service again and they wanted me to send a letter in asking for another look at the charge. 
I refused and talked to a manager who said the previous XXXX complaints were filed incorrectly or with the wrong department. They said it had to be filed with the fraud department. I 'm not sure how I can do that as they handle the filing over the phone and assure me it is done correctly. 
I filed with the Fraud department. 
Now they have denied the third claim and put the charge back on my account. 

These people are a large bank that is doing this nonsense on purpose to stop me getting the money back or make it so difficult I stop fighting. 
I had nothing to do with this purchase and I will not pay for fraud that was committed on a card that has a " Zero Liability Guarantee ''.
In trying to place a credit freeze for heightened security as recommended by XXXX, I got on to the Transunion site and with a very perky " Tell us about yourself! '' in bold fonts and colors, I filled out the form as it prompted, " Do you want your credit score and credit report? '' As I did want it and not realizing that I needed to go to CFPB for this information, I filled in the forms, not noting the separate boxes to the side. The top separate box had a sample credit score and was clearly an ad for their services and a lower box ( that my eyes skipped over because this was an ad, right? ) with a font that was a third the size of the " tell us about yourself! '' says " you have chosen credit monitoring for XXXX mo. '' I completed the form on three pages. # 2 was create your account, # 3 was verify your identity. At no point did it prompt me ( as all other business sites do ) to agree that I was paying for this service. 
My fault not to realize that if they were asking for credit card info it was for payment and not for a verification of which card I was creating the credit on! I don't think I am XXXX  as I have an advanced degree ( That's my excuse anyway. ) This looks like a misleading way to process a charge. It felt as if it was meant to confuse. They nicely refunded the monthly recurring charge but " nothing could be done '' about the credit report charge as I had already received it. This is a tainted business practice and it felt underhanded. To add insult to injury, My practice of living debt free, paying the mortgage in full, cash for the new car and prompt credit card payments each month for 30 yrs. got me a rather low score of XXXX!
I sent out a Cease and Desist letter to have Advance America stop all collections efforts. They sent out a letter in the mail which I consider a scare tactic.
On XXXX XXXX XXXX my husband and I were both approved for XXXX by Usaa for two auto loans. My husband purchased a new 2017 XXXX XXXX in XXXX, and on XXXX XXXX, I purchased a 2015 XXXX XXXX with 37,883 miles from XXXX XXXX XXXX for 26,745.50. Upon the purchase I called Usaa on the dealership phone because my cell phone battery was now dead, so in the presence of my husband, XXXX XXXX the finance manager, and XXXX my sales person, I gave all the information and we discussed the terms of 72/82 months and the interest rate of 4.59 % with a payment of XXXX as per my previous discussion which included the gap insurance. I received a call from The dealership three months later in XXXX informing me that Usaa had not funded the loan. I along with XXXX XXXX the finance manager spoke with someone in escalations at Usaa and they assured us in will be handled in two days. The loan funded, but to my surprise as I kept calling Usaa to understand why after the funding, my payments are conflicting to say the least. One note have the loan amount financed as XXXX for terms of 12 months interest rate of 5.3277 % and payment of XXXX, then the second note shows XXXX was financed with a 5.3252 % int rate and monthly payment of XXXX this is predatory lending. I was told by both XXXX XXXX ID # XXXX, and XXXX ID # XXXX that the representative XXXX choose the incorrect terms, and both acknowledged it was Usaa mistake, but the only way to resole the issue was to refinance the loan. I filed a complaint with the Office of the Comptroller of the currency and i received a call from XXXX XXXX in the office of the XXXX, who still insists that refinance was the only resolution, i agreed and give the okay to pull my credit and was denied due to not having enough credit. This is predatory lending and i did not agree to any of these terms. Prior to the loan funding Usaa did n't even see my car in their system, they are trying to cover their unscrupulous behavior, and Usaa should be held accountable.
This debt was paid in full, I continue to get daily calls from them. When I explain it was paid in full they say " we will close the account ''. I just spoke with a rep. who was again very rude, when I ask to speak with a supervisor she said " no problem 5 times '' and yes this should be recorded. When I spoke with the supervisor ( Mr. XXXX ) he said that someone was " dropping the ball '' in the office and not closing the account. I said that sounded like an internal problem and ask if I would continue to receive calls and he said " until it's closed. Every person I have spoken with there is very rude, also per the Company the messages were recorded. Dates of calls XX/XX/XXXX,XX/XX/XXXX.XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX.
The account is in my name but it is not my debt. The account was opened by a family member and they stopped making the payments and now the account is in collections. I would like to have the account removed because it is negatively impacting my credit.
They were unprofessional, I asked them to put me on do not call list, they said they do no have one informed I do not want calls at all. They refused instead saying are you this person and gave a social security number without verify who they are talking to. I asked for the manager and he did the same tatics was basically refusing to comply with my request not to call. Informed will report and ended call
1. XXXX {$51000.00} paid off account. 
2. XXXX account is not mines.
Popular Community Bank has offered a {$120.00} bonus for opening checking account. ( Receive {$75.00} when you make XXXX ACH direct deposits of {$500.00} or more. Receive {$50.00} when you make XXXX online bill payments or preauthorized withdrawals. ) I accepted Popular Community Bank 's offer and opened checking account # XXXX ( letter attached ), made a required opening deposit and made preparations to fulfill bank 's requirements for the bonus. Imagine my astonishment and disappointment to find that Popular Community Bank has decided to close my account some XXXX weeks later after accepting my opening deposit. When I called the bank, I was told that account was submitting for closure because the closest bank 's branch is a XXXX miles away from my home. I tried, in vain, to explain to the bank 's representative that I am frequenting the areas in Florida when bank has branches, and generally conduct most of my banking on line, after all, it is XXXX XXXX and everybody has access to XXXX. Moreover, the account I opened is called online Checking with online Banking, online Bill Payment and Mobile Banking. At the end, I was told that the bank is unwilling to change its decision to close my account. 

The bank has made a promise to credit a {$120.00} bonus upon opening of checking account to residents of Florida, New York and New Jersey. I live in Florida and I accepted bank 's offer by opening a required account and making a required opening deposit. XXXX of bank 's offer or a binding promise of bonus represents an unilateral contract for breach of which law provides a remedy. I was unable to complete the transactions necessary to receive a {$120.00} bonus because Popular Community Bank breached the contract by terminating my account without lawful justification or excuse. Popular Community Bank action of closing my account is a breached of contract and law affords remedy or a legal cause of action in which a binding agreement or bargained-for exchange is not honored.
I began disputing an incorrectly reported item on my credit report with TransUnion an XXXX/XXXX/XXXX. I initially requested validation of a reported debt with XXXX XXXX in the amount of {$520.00}. On XXXX/XXXX/XXXX they sent me an updated credit report stating the debt had been verified as requested and updated accordingly. They never sent me anything bearing my signature as requested. They did however update the entry on my credit report as disputed. I once again sent another letter requesting validation on XXXX. They sent me another credit report on XXXX stating the item was validated, updated as such and remains on my credit report. On XXXX I called TransUnion and spoke with a man named XXXX. I asked him what documentation does TransUnion possess to prove that this is indeed my debt? He responded by telling me we do not have anything nor are we required to maintain any documentation.? I told him that TransUnion is in violation of the FCRA section 611 ( a ) ( 1 ) ( A ) by not doing so. He told me there is nothing he can do for me except file another dispute. TransUnion has failed to validate this alleged debt on more than one occasion. Their failure to maintain accurate reporting on my credit file is hurting my credit score and my ability to qualify for a mortgage.
A company called Ally Financial. A company I have never heard of or tried to do business with pulled my credit report on XXXX XXXX, 2016. This was a hard hit at the credit bureau, probably all three. I just received my credit report from XXXX, saw them on the report. I called them on 3 different occasions and told them I did not try to purchase a vehicle through them. Also they did not have the right to check my credit report without my authority. I spoke with, management, the credit dispute office and the fraud department. They did not want to talk to or help me.They refused to help me get this hard hit off my credit report. The credit bureau told me what to tell them to remove it. They still refused. In my opinion Ally Financial could be part of a larger conspiracy in the fraud and Identity theft going on in this country today. More than the general public might imagine. Companies like theirs do n't need a social security number to pull your credit. So they could do this to hundreds or maybe even thousands of consumers and get away with it. I bring this incident to your attention because why would they be so adamant about not wanting to help me. Maybe they figured that if they helped me they might be opening XXXX 's box or get caught with their hand in the cookie jar.I have filed a complaint report with the FBI in Washington, also the BBB in Minnesota. 
I called the local police dept and they told me they are not listed as a business in XXXX MN. They are operating out of XXXX and the police dept could n't understand why they were using a XXXX address. He refered me to the FBI. I will be calling the XXXX police dept as well. on
Equifax leaked my information in a data breach. My personal information is now public and compromised. I am now at risk for fraud and identify theft.
I have submitted these requests for corrections to my credit report multiple times now and have yet to see any change. I have even spoken with the creditors collection office and been told it is going to be fixed. I am tired of the run around from the creditor and the credit agencies, I just want it taken care of.
I was a victim of Identity Theft. I filed a Identity Theft XXXX with XXXX, Equifax and XXXX. Their is a Bankruptcy on my XXXX XXXX that should not be there as I have never filed for a Bankruptcy. 

XXXX removed the Bankruptcy however XXXX and Equifax refused to remove it, AND ITS REPORTING " TWICE '' AS A DUPLICATE. 

I contacted the XXXX and they informed me that they do not have a Bankruptcy that matches my ID. 

They also informed me that they do not and did not report to any Credit Bureaus because the XXXX does not report to the Credit Bureaus. 

HOW CAN XXXX REMOVE THE BANKRUPTCY AND XXXX  AND EQUIFAX DO NOT????
I have had my Capital One credit card almost three years. Never had a problem and I never paid my account late at all. 

They have restricted my account access because of fraud they say. Capital one says I have too many authorize users and they want me to get every single one of their driver license and social security card and send it to them before they will let me have access to my account. 

There is nothing wrong against adding friends or family to your credit card as authorize users. 

Capital one said I have too many on there and now they have restricted my access because of this! NO WHERE on their site does it mention if you add X amount of users we will lock your card down and make you bother every single one of them for their personal information to send to us! 

I then told them I did n't realize I had that many users on there who NONE have a card and would like to remove some. They would NOT let me remove them! 

The sad part is I AM advertising FOR CAPITAL ONE and telling friends they should apply for a credit card with them! And this is the thanks I get! A LOCKED account!
In XXXX I rented a home XXXX .I only rented the home for about 9 months. I had XXXX as a internet and cable provider. Around XXXX XXXX contacted me and stated that I owed them {$200.00} for unpaid cable bill. I told them I had not lived there for years and I had paid my bill and had my services turned off when I moved back XXXX. They insisted that I pay this bill 2 years after I had moved out. The last two times in XXXX and XXXX I have applied for credit this shows up on my report. I do not owe these people one dime and yet they filed a negative report. The people of XXXX are crooks ...
My PII was stolen and lost due to monumental incompetence and negligence by XXXX. Executives sold their stocks before letting us know, how is that not insider trading? They 're also charging people to take measures to fix THEIR mistake, and now TransUnion is intentionally complicating the freezing process by putting their worthless ID protection in our face and deterring people from freezing. No corporate entity should be allowed to have this much control over this much sensitive information, and all of these execs that knew this was coming need to be locked up.
In accordance to fcra section 609, this account was disputed XX/XX/XXXX. Ad astra recovery did not respond to intial dispute within 30 days as allowed by the FCRA. They have continued to report innaccurate information to all XXXX credit bureaus. In accordance, they are bound by FCRA to remove alleged debt that is being reported. It is now XX/XX/XXXX and past 60 days when these accounts were intially disputed. Ad astra Recovery Service has continued to attempt to collect debt they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this including a previous dispute to CFPB.They have blatanly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, i have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue at hand. The accounts need to be removed. They also stated that they have sent documentation which is false. Nothing since they placed on my accounts has been mailed to me, The second issue is that it had been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious they are not.They have deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one.
Citibank targeted me with a sign up bonus promotion of XXXX Thank You points for enrolling in their CitiGold checking account service. I completed all the requirements to receive this bonus, but now I am being denied this request. I have documentation from them that I have met the sign up requirements, but their latest communication to me is that I am not eligible for the bonus.
Home equity loan with Wells Fargo was paid for agreed amount and 2015 XXXX was issued. Wells Fargo continue to report full amount of Home Equity as outstanding and did not report the settlement and payment on this old debt.
Credit Report Inquiry on the following dates from Clarity Services  Inc. :   XXXX   XXXX ,  XXXX  - Inquiry Type : Finance Reseller,  XXXX   XXXX ,  XXXX  - Inquiry Type : Finance Reseller,  XXXX   XXXX ,  XXXX  - Inquiry Type : Finance Reseller,  XXXX   XXXX ,  XXXX  - Inquiry Type : Finance Reseller,  XXXX  Reports pulled/Inquired in little over 5 months, which I believe they are only allowed  XXXX  per calendar year even if from another company they are acting on behalf of. I called the company listed above about these report pulls and they had told me they are pulling the reports for another company and refused to provide this information unless I provided additional personal info to them.
My mortgage was transferred from XXXX XXXX to BSI Financial Services XX/XX/XXXX. I filed for bankruptcy XX/XX/XXXX to avoid foreclosure ( Ch-XXXX ). My mortgage at XXXX XXXX was modified XX/XX/XXXX and the new mortgage amount added all fees and back accrued interest. This modification was confirmed by the United States Bankruptcy Court. When XXXX XXXX sold the loan to BSI Financial, BSI had it classified as a delinquent loan in Bankruptcy even though the loan was modified and current. All monthly payment are made on time and current. I spoke to XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX from BSI and everyone refused to speak to me about my loan. I do n't receive statements or monthly coupons from BSI. The only letter I received from them was a Notice of Servicing Transfer. I was informed by my Home Owner Insurance Company my policy was terminated due to non-payment even though the mortgage is escrowed. My attorney spoke to BSI in XX/XX/XXXX and faxed the necessary documents on XX/XX/XXXX to allow BSI to speak to me and update their files. I have left 3 voice mails to XXXX XXXX ( he is assigned to my loan ) without any return phone calls. Without monthly statements I do n't know if my Home Owner insurance is current or if they have been paying my real estate taxes. I started doing research on BSI Financial and see they have a history of consumer complaints. I thought it best to file a complaint since my efforts and my attorney 's efforts have been ineffective.
When I took out my mortgage in   XXXX  , the promised a low interest rate and affordable monthly payment, as advertised. However, the interest rate and the monthly payments did not take place as promise by the bank.  XXXX   XXXX  started a foreclosure against me even though I though I took out a loan with  XXXX    XXXX    XXXX . My case is not an unusual one. I am one of the hundreds of thousands who were victims of the housing bubble.
My loan was set up with LoanCare LLC in   XXXX   of 2017 I made my first  XXXX  2017 Payment early in late  XXXX . They accepted my payment for  XXXX  but I started having trouble in   XXXX    2017. My wife had made a payment and mistakenly put her name as the payer. The payment for some reason was returned. Since then, I have paid over 4 times with 7 of my payments being reversed. reapplied and reversed. It has been a nightmare to try and pay my mortgage company. I made a payment for   XXXX   and  XXXX , which was finally accepted by LoanCare, on  XXXX   XXXX  2017. For a whole month there was no reversals of the payments. On   XXXX      XXXX   2017 I made Payments for   XXXX   and  XXXX  2017. Guess what happened next, they decided to reverse my  XXXX ,  XXXX  and  XXXX  payment then reapply my two payments for  XXXX  and   XXXX    thus leaving out  XXXX  and I am back to supposedly owing them another payment. I do n't understand why this is happening. I talk to my bank and they do n't show any record of rejected payments. I talked to LoanCare and all they tell me is that its the bank or that I have Non Sufficient Funds. I am struggling to make my payments on time even though i am making them on time. This should not be happening. If anyone has an opportunity to work with LoanCare LLC please do n't, Save yourself your money, time, and high stress