WillisBack/dataset-financial-user-claim huggingface dataset:
Toyota Financial has refused to hold their end of the contract and issue a title release or even credit the account closed. 

I called the middle of XXXX notifying them I needed an address to send a certified check, the gentleman who helped was very nice and provided an address to deliver the money to. 

Toyota received the monies for the account on XX/XX/2018. Again this was a certified check from XXXX XXXX  and included a master billing statement stating where the money was to be applied and the vehicle paid in full. I was expecting the account to be credited the following Wednesday since Monday was a holiday. That never happened. 

I called Toyota on that Friday and they stated they had a " short week ''. As I am typing this I am on hold with them expecting to talk to a manager as promised about getting the title sent out ( notifying the DMV ). 

Toyota has many problems with this same situation. I believe an attorney with adequate knowledge would find that a class action lawsuit against Toyota would end these criminal practices.
After researching my issue and determining that I am eligible ( no late payments, LTV under 78 %, loan active over 5 years ) to have my FHA MIP removed from my account, I contacted my lender to start the process. I was slightly confused when i ended my call with them, due to the fact that they insisted that I would have to pay for a new appraisal in order for them to make a determination ( with no guarantees ) whether to cancel my PMI. I could under no circumstance get them to even call it MIP, let alone admit that any difference between MIP and PMI existed. They sent me a form to start the process, the form is basically an agreement on my part to pay for an appraisal. I called them back and eventually their representative told me to call the XXXX at XXXX. The center sent me a summary of their guidelines in my situation. Following these guidelines I sent my lender a written request of my desire to have MIP cancelled on the loan, and asked them to forward my request, along with supporting payment documentation to the FHA for approval. I also included a copy of FHA 's guidelines for their reference. After waiting over 60 days for a response I contacted them by phone again and was informed that they received my letter, however no action was taken since it did not include the form releasing them to order an appraisal at my expense. After much discussion with this representative his only recourse was to have me call the XXXX again. All any representative at my lender will do is quote some lines from what I believe to be a summary of the PMI Act of 1999. They will not admit that a FHA insured loan is different in any way from a private contract loan, even after me offering specific guidance as to Mortgage Letter numbers published by XXXX specific to this issue. The XXXX, being an informational entity and not an enforcement one could offer me no further guidance, hence, my complaint filed here. I have attached all correspondence I have relating to this issue, including the form my lender wants me to sign, the guidance email sent me by the FHA, the corresponding XXXX Mortgage Letter relevant in my situation, and the original request I made to my lender to have my MIP terminated.
On XXXX/XXXX/16, I sent a certified letter to this company requesting for " validation '' via a document bearing my signature that I owe this debt and that it is valid. I waited 31 days, and received no response from this first letter. On XXXX/XXXX/16, i sent a second certified letter to this company asking for " validation '' via a document bearing my signature that this debt belongs to me and is valid. On XXXX/XXXX/16 they responded via a letter, but did not provide anything with my signature on it. Instead stated that I did not provide sufficient information and that I needed to send them documents. Basically giving me the runaround and not providing what I asked for in the two certified letters I sent them.
On XX/XX/XXXX, my XXXX son received a pop-up to buy something on a video game. A PayPal application appeared and he entered ONLY my name, DOB, and address. He INCORRECTLY entered a SSN. Based on this easily-obtained information and an incorrect input, PayPal opened a line of credit and my son made a charge. 
When I called PayPal on XX/XX/XXXX, it told me that their policy is to allow credit based on " three out of four '' pieces of correct information. It does not matter if someone puts in incorrect information, yet that is exactly the red flag that should be the basis for denial. Further name, address and DOB can be obtained so easily, it enables identify theft. 
I paid the amount my son owed, gave the lecture, and took away electronics ; however, it is unnerving to me that anyone with such little information can open credit in my name. Further, XXXX I am disturbed by PayPal 's practice of enticing juveniles to open credit lines in the throes of impulsivity ( i.e., while gaming ). It reminds me of the Camel cigarette ads except for this time, PayPal gives them the false identification.
On XX/XX/XXXX we submitted a form to surrender our XXXX XXXX. 

On XX/XX/XXXX the vehicle was picked up. 

On XX/XX/XXXX the vehicle was sold for {$19000.00} leaving a balance of {$8000.00}. 

On XX/XX/XXXX we paid a payment of {$250.00} We cancelled gap and some other extras which brought the balance down further. 

We made {$400.00} in payments XXXX & XXXX we are currently set for 3 more months of {$200.00} payments. Towards the balance. 

Today Chase marked on our credit that this account is in charge-off and that weve failed to pay. Which from the above information WE HAVE NOT. 

On XX/XX/XXXX the balance will be {$6800.00} as another payment is scheduled to draft from our account.
In XX/XX/XXXX of 2016 I realized that my bank account had been garnished by XXXX XXXX XXXX for approx. {$260.00}. Shortly after that I received two letters from XXXX XXXX. One stating that my account was set to be garnished altho the garnishment had already happened and then later one stating that it was illegal for them to garnish this account as the deposits were from my Social Security and VA benefits. At this time I reached out to RAB Performance Recoveries to see what was going on and if they would settle the account for {$1200.00}. They informed me that a settlement would not be allowed and that I would need to pay the balance in full. They also stated that the account would continue to accrue interest at 4 % per month and that I could not stop them from taking it out of my bank account. 

Currently I am attempting to refinance my home so that I can lower my payments and make my home affordable to live in. During the process of the refinance my lender informed me that there is a judgement from RAB Performance Recoveries that is preventing me from being able to close on my loan. The processor working with my lender began to reach out to RAB to get payoff information. After weeks of calling in and not reaching anyone at RAB she finally got a call back. They informed her that XXXX XXXX XXXX are now handling the account and provided the processor with thier contact information. When she called in to to XXXX XXXX XXXX the collector ( XXXX ) began to provide tons of my non-public personal information to her without my consent. I never signed or authorized them to release this information and according to my processor the information was given at will. My loan officer then called me on a three way with XXXX XXXX XXXX to see if he could assist me with working out some sort of debt settlement. At that time the collections agent ( XXXX ) still did not ask my permission before divulging my personal information. This is a violation of my privacy. 

They pulled funds from my bank account that fall under the exempt rule when garnishing a bank account. I am a XXXX XXXX Vet that is on SSI and receiving social security. I explained this to the collection agency that I needed to be refunded the exempt funds but they refused to do so. I would like to be refunded the fee garnished from my bank account
On XX/XX/XXXX2017 Ocwen received my monthly payment for XXXX 2017 in the amount of {$2600.00}. ( my payment for XXXX 2017 is in the amount of {$1100.00} ) On Ocwens website on XXXX2017 I noticed that Ocwen never applied the EXTRA {$1500.00} I sent in towards the principal. Ocwen never applied any part of the {$1500.00} to my loan at all. ( I do n't know where that money went? ) The principal balance of my loan for the month of XXXX 2017 was {$140000.00} and on XX/XX/XXXX2017 Ocwens website says that the principal balance on my loan is {$130000.00}. That is only a difference of {$460.00}. The total amount that should of been applied to the principal of my loan should of been {$1500.00} PLUS my regular principal payment of {$460.00} add those XXXX numbers together and you get {$1900.00}. You take the {$1900.00} and subtract it from the principal balance owed in XXXX 2017, {$140000.00} and you get the amount of the principal balance owed going into XXXX 2017 which is {$130000.00}.
I purchased a new car on XX/XX/2018 from XXXX XXXX XXXX XXXX, who sent the payoff and a subsequent extra lease turn in fee to Honda Financial Services. Honda Financial Services refuses to post the payment and close my account. They are calling me daily to threaten me with late payments fees and reporting.
there is a  XXXX   XXXX  with the  DOB   XXXX / XXXX /  XXXX   reported at my old address  XXXX   XXXX   XXXX   XXXX   XXXX  attached to my SS #. this is not me or any family member associated to me.
I have received invitation from American Express to transfer {$4000.00} with promotional 0 % APR for 6 month. I decided to except this offer. On XXXX/XXXX/19 I talked to representative regarding this. He helped me to calculate exact amount I can transfer to my XXXX XXXX XXXX credit card. ( {$3800.00} ) to avoid go over {$4000.00} as AmEx offered. My XXXX XXXX XXXX  due date is XX/XX/19 so I called to transfer funds 10 days in advance to avoid interest fees on my XXXX XXXX XXXX credit card. Representative from American Express said that transfer went ok. BUT on XX/XX/19 I called my XXXX XXXX XXXX card and found that transfer was not completed. THAN I CALLED AMERICAN EXPRESS AND ANOTHER REPRESENTATIVE TOLD ME THAT THIS AMOUNT {$3800.00} CAN NOT BE TRANSFERRED, BUT ONLY {$3000.00}. THEY DID NOT NOTIFY ME ABOUT THIS POLICY AT FIRST CALL, NOT ON NEXT DAY, NOT BY MAIL. THEY DID NOT DO TRANSFER. They did not transfer {$3000.00} at least. They did nothing. AS RESULT of such American Express bad service I ACCUMULATED INTEREST CHARGES ON MY XXXX XXXX XXXX CREDIT CARD.
Ditech is again creating false documentation to overcharge me to facilitate a hardship so that they can foreclose. 

Ditech should be reducing my monthly mortgage payment because my required escrow balance is an overpayment. Yet, Ditech has once again created false documentation raising my note to {$1200.00} instead of lowering it to {$1000.00}. Ditech manufactured a shortfall that does not and will not exist. Ditech withheld projected balances and federal law regulating how low balances are calculated to hide that it owed me a refund of {$790.00} and that my mortgage should be going down and not up. 

I included as evidence of Dtiech 's ongoing bad faith in creating false and misleading documentation to create hardships and falsify my debts and shortfalls. The original XXXX and corrected XXXX and statement due XX/XX/2017 are not issues to be addressed in this complaint. They are evidence of Ditech 's ongoing acts and how they create documents to mislead CFPB.
XXXX states Ocwen changed my last name. 

This is a flagrant and gross action by Ocwen. 

XXXX will correct the error but this must be made public record for other consumers.
I have been trying to pay off bills and collections since XX/XX/2016 in hopes of purchasing a home for my child and myself to call home. I have not been able to get a student loan off my credit report with a balance of over XXXX. The student loan was transferred over to a different company. this company transferred over back on XXXX, payments are being made every month out of my account and on my credit report it is showing that I have a student loan outstanding amount of XXXX which keeps my credit score down. I have disputed and can't seem to get this off my credit score. 

why is it that when something negative is reported on my credit report, my score drops 30 to 40 points and when something positive is noted the score only goes up like 6 to 11 points? I am beginning to think I am being discriminated against with the report of the credit reporting system. Some of my co-workers have credit scores of XXXX or more, some of which have gone through chapter XXXX 's and car loans, etc. but have a score of XXXX and buying a home.
On XXXX XXXX, 2017 there was update saying I have a new employer. But I 'm unemployed for the most part I have a temp job and it 's not XXXX which I have no idea what that company is nor heard of them before.
I took a online payday loan for {$300.00} dollars from a Company called XXXX XXXX approximately 8 years ago, I payed the debt in full 8 years ago and since then my information was sold to other debt collectors that are trying to double dip on payday loan debts that have been payed, Ive been threatened to be arrested and humiliated at my place of work if I dont pay the debt Ive already payed, Ive contacted the FTC in the past. Ive have had no issues with my credit report for the past 2 years, today I got a notice from XXXX XXXX that a company called : Midwest Recovery Systems XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, MO XXXX, posted a collection to my credit report and made my score drop 50 points. Midwest Recovery said they got my debt from XXXX XXXX XXXX XXXX, Ive done some searching and Midwest Recovery is fraudulently putting dings on peoples credit reports who never even had a payday loan in  the past. This is a false and fraudulent claim to my credit report and companies like these should be shut down and prosecuted to the fulliest extent of the law for fraud.
XXXX XXXX client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit cards. A Comenity Capital Bank card/Virgin Airways card was applied for XXXX/XXXX/2016 however the application was not approved but the fraudulent inquiry was found on her XXXX credit report. A dispute of this inquiry was sent to Comenity Capital Bank as well as XXXX however the inquiry was verified as " accurate '' even though a police report was provided indicating this activity was fraudulent which is a violation of the FCRA.
National Recovery Solutions has tried to contact me at work several times even though I have asked them not to call my work or it would get me in trouble. each time i told them this they told me no one has ever talked to me which is a lie. 


I spoke with them on XX/XX/XXXX and XX/XX/XXXX on my work line and asked that they not call me at work. Then they asked me to let them speak to human resources as soon as i told them to stop calling me a work as a scare tactic. When I told them that i was going to file a complaint he said I Don't know what for. I repeated because I ask that you stop calling me at work.
I have a charge on my credit card for {$470.00} for XXXX XXXX. When I saw the charge, I immediately reported is as fraud. The credit card company removed the charge form my account. In addition, when I called to report the fraud, the credit card company told me that someone tried to access my account from a different phone number. The credit card company only notified me of this when I called to report the charge as fraud. 

A few weeks later, the credit card company recharged my account for the fraudulent transaction. I spoke with someone in their fraud department and I was told that there was an investigation done, but that the details of such investigation were not clear and the credit card company would have to look in to the matter again.
On XX/XX/2018, I sent a dispute letter to Equifax disputing the following accounts ( XXXX, XXXX, XXXX XXXX, and XXXX/XXXX. In my dispute letter, I asked for these accounts to be validated and Equifax is continuing to report unverified information on my credit file. As of this date, the following accounts have not been validated. Equifax had ( 30 ) days to validate this information, and they have failed to do that. Also, during the dispute phase, Equifax failed to put that these accounts were being disputed. They attached a statement for the XXXX & XXXX ( 30 ) days later. The XXXX XXXX account was never listed as being disputed. 

I also went as far providing proof, and I sent documents to Equifax in my dispute that I am a victim of Identity Theft, and Equifax failed to take my claim seriously. 

The unverified items listed above remain on my credit report is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After asking for proof of these accounts, I have not been provided any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), a consumer contract with my signature on it, and under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly delete all information which can not be verified. The law is very clear as to the Civil Liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumerand I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I have made an attempt to make police reports but was denied which led me to wonder why I was being blacklisted at many places. Infact, so much of my information is compromised I could not even obtain my own credit report. My mail was moved without my permission. I had to put the matter with law enforcement through MI DEPARTMENT OF CIVIL RIGHTS. THE NEXT TIME SOMETHING WAS FRAUDULENTLY DONE IN MY NAME WHICH CAUSED ME TO BECOME OVER ANXIOUS THEY SUGGESTED CHANGING MY SOCIAL SECURITY NUMBER, I CAN NOW NOT BE SO SURE AS THIS IS ONE OF MANY PROBLEMS I HAVE HAD WITH THEM BEING DISCRIMINATORY. I was not actually able to go to the social security office in my home town, as I even felt they we 're some what discriminatory ( XXXX, Mi ). They would n't even let me sign up for SS on line on their computers. I had to go downtown to XXXX to do any business even after obtaining pieces of my stolen identity such as XXXX, SS CARD, INSURANCE CARD, ID. I COULD N'T USE THE SECURITY OF STATE TO DO MY BUSINESS IN XXXX, OR RED FLAG MY IDS AND ABOUT XXXX WE 'RE STOLEN. There we 're weird addresses in states I 've never even visited in on my credit report. On XXXX it looked like my age had been compromised.
i had gone to a dealer in XXXX because i was tried to get a car and the i provide the dealer my info they ran my credit i couldn't get approved in the next month i check my credit report i find out it wasn't one time the dealer pulled my credit I saw a bunch of inquiries about auto finance now my credit is kind of heavy with all these inquiries its about 20 inquiries listed below and they kept repeating over and over XX/XX/XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX ally financial  XX/XX/XXXX ally financial XX/XX/XXXX ally financial   XX/XX/XXXX ally financial XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX all this reported to my credit report just because i requested a loan from the dealership now my credit is worthless because of these hard inquiries from my XXXX
My fianc at the time, XXXX XXXX had a co pay to resolve, we were sending payments each month until one day it was sent to collections for some reason, we were unaware that it was sent to collections until I had spoken with someone from QAR Collections named XXXX who informed me that my fiances Doctor submitted this to collections, XXXX was supposed to call me back with a payment arrangement but never heard from her until I opened up a bill asking for full payment. This collection has my name on it and I 'd like to know why they have listed me when this was not my debt, I 'm very disappointed and this is the only attempt they have made. I also do not like how they are threatening us in this letter and I wo n't tolerate it. We will pay this but their terrible collection practices need to be looked into
This company, which I hold no contract with nor have received services from, reported a collection amount against my SSN in the amount of {$410.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification and validation of the debt, including a wet signature on the document of my alleged debt, however, the business failed to provide adequate proof. Considering this business does not have a signed contract with me for goods and services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
My mortgage processor informed me XXXX hours out that we 'd have to postpone closing ( originally scheduled for XXXX XXXX ) for an undetermined period of time. This is a result of the mortgage company waiting until the last minute to conduct a follow-up appraisal and then informing me the day before the anticipated settlement date that they would be unable to close by the specified date ( after we made application with them ~XXXX months before this anticipated closing date ), forcing me to violate the terms of my purchase agreement due to the fact that we were unable to close by the date specified in the agreement of sale. The original appraisal was contingent upon septic system repairs being completed ... these repairs had been completed XXXX weeks prior to closing, but my mortgage processor waited until XXXX weeks before the closing date to tell me that this follow-up would be needed and they 'd be requesting it then. All along in this process, I 've been told we 're ahead of schedule. This is unacceptable that I was forced to postpone closing at the last minute and that they did n't tell me we 'd be forced to postpone until XXXX hours before settlement. Now the mortgage processor is saying that we wo n't be able to close until XXXX XXXX at the earliest, forcing me to pay an additional ~ {$1000.00} of interest up front that I otherwise would not have had to pay at settlement ... forcing me to do this at the last minute without warning smacks of an unfair, deceptive, and abusive practice.
Citibank has held my funds for over 2 months. In XXXX XXXX, I deposited a check for about $ XXXX into my account. Since that day, they held my funds. They claimed that the check did not belong to me. Despite the check being under my name, Citibank still refused to release my funds. As of XXXX XXXX, I have called them over 100 times and tried to verify that the funds do indeed belong to me. The check was coming from a car insurance company as compensation for a totaled vehicle. 

Citibank asked me to provide proof of a business registration document by going to the branch. The document was taken to the branch, but after several phone calls to Citibank, they still refused to release the funds. Then, they told me to fax the documents to them. I did so, but then they said the documents were not received at the correct department. Despite this, the documents were faxed again a third time. 

They closed my account and have not paid my funds. 

Citibank is a dishonest bank and after 2 months of stress and calling, they still make excuses by repeatedly telling me to call them on Monday to resolve this issue.
My monthly minimum payments are 5 %. I pay my payment every month but since it is so large I have to use the card to pay other bills, so I can never reduce or pay off my amount owed. I think that a 5 % minimum payment is excessive. I would like to pay down my debt but will never be able to at this rate.