WillisBack/dataset-financial-user-claim huggingface dataset:
Several charges were levied against us upon terminating our lease for a XXXX XXXX XXXX. These charges included {$180.00} and {$150.00} for scratches, which are legitimate and we agree to pay. One is for a termination fee, which is buried in the fine print and obscured between various schedules. We  feel this sort of fee is very deceptive and was not adequately disclosed. The worst part is they offer to void the fee if you sign another lease with them, or buy a new car from them. So, you are punished if you don't do business with them, it's extortion, or at a very minimum a highly deceptive and unscrupulous sales tactic impeding on our right to make our own economic choices. 
Nonetheless we did agree to pay it in our letter sent last month, if only to strike a compromise because of the situation below. 

The fees we are formally disputing are two {$120.00} charges ( plus tax ) for " excess wear '' on two tires. The problem with this is that our lease permitted XXXX miles, and we turned the car in with roughly XXXX miles, so if there was any " excess tear '' it was because of issues with the product they sold us, and not with our use of that product. 

VIN XXXX
Since XX/XX/2018 to XX/XX/2018 were made some fraud charges on my citi card, also a call to try to pay it on XX/XX/2018 that I never made or autorized. 
I notified to the bank as soon as received the statement on XX/XX/2018. 
According to the bank statemen the fraud charges were made in XXXX, a Country that I never visited neither my family. 
In that period I travelled to XXXX and informed previously to the bank according to their requirement. 
I notified them that I and my family to be in XXXX from XXXX to XXXX. 
They opened a dispute but already closed it not in my favor. 
I believe that they handled the dispute not very well because I gave them a lot of information and it is obviously that there was a fraud. 
I hope you can help me mi, thanks in advance.
Ability Recovery Services , LLC has reported a collection account on my credit report which has seriously negatively impacted my credit. 

Despite me disputing this account with the credit bureaus multiple times, Ability Recovery Services verifies the debt belongs to me. 

Open date XXXX/XXXX/2017 Original creditor XXXX XXXX To date XXXX and XXXX  have yet to remove this ficticous or fraudulent debt
My student loan servicing company, Navient, will not allow me to make payments on my principal balance. I spoke with a Navient representative and she said the only way I can make principal payments is by making them exactly on the XXXX of every month. However, Navient continues to apply my additional principal payments to " future '' payments due. Not to my principal balance. Furthermore, they are issuing incorrect XXXX forms. For example, in XXXX I paid {$330.00} in interest to Navient on my student loans and they reported on my XXXX XXXX that I only paid them {$180.00} in interest. In XXXX I paid Navient {$380.00} in student loan interest and they only reported me paying them {$200.00} in interest in XXXX. 
They 've also increased my interest rates 4 times in one year.
XXXX XX/XX/XXXX I was served summons XXXX. XXXX Weltman , Weinberg & Reis these companies are n't licensed in Pennsylvania checked on sec. states. I did find XXXX XXXX XXXX XXXX Entity Number XXXX. 

Sued By XXXX XX/XX/XXXX through its servicing Agent XXXX. XXXX Weltman , Weinberg & Reis judgment {$6800.00}. Kept paying WW & R until XX/XX/XXXX discovered not Licensed. 

Magisterial District number XX/XX/XXXX XXXX XXXX XXXX docket Number XXXX Plaintiff XXXX Bank through its servicing Agent, XXXX XXXX Weltman , Weinberg & Reis CO. , LPA XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX. Attorney Name XXXX XXXX XXXX Attorney ID XXXX. XXXX XXXX or WW & R Ca n't find on Pennsylvania Sec. StatesOn NMLS Debt Management and Debt Settlement licenses, Found XXXX Bank XXXX XXXX, DE XXXX NMLS I .D XXXX, MLO XXXX does n't specified Debt management or settlement found XXXX Bank License/Registration # : XXXX Mortgage Lender License Weltman , Weinberg & Reis licensed in XXXX XXXX FL. XXXX XXXX XXXX OH. XXXX XXXX XXXX OH., and XXXX for Debt Management or settlement not in Pennsylvania. 

XX/XX/XXXX Checking account Garnished in RE : In the court of common Pleas of XXXX XXXX, Pennsylvania Case XXXX of XXXX Bank through it servicing Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX. attorney XXXX XXXX XXXX PA Attorney ID : XXXX XXXX XXXX XXXX XXXX XXXX was served with a writ of execution and interrogatories to garnish checking account. XXXX XXXX Bank on XXXX charged {$190.00} for legal Fee. 

Hearing on XX/XX/XXXX In the court of Common Pleas XXXX XXXX, Pennsylvania XXXX Bank, Through its service agent XXXX Plaintiff XXXX XXXX XXXX, XXXX PA ID XXXX Attorney vs defendant XXXX XXXX XXXX Civil Action XXXX of 2013. Ca n't find XXXX XXXX XXXX, XXXX or XXXX on Pennsylvania Sec. States. 

I have been lied to for 3 years from this SO Called Law Firm.
I've been denied multiple times, forvmy personal loan when there is two names on one social security number. 

Federal fraud due to an clerical error & the XXXX data breach. 

This is corrupted process that XXXX XXXX & XXXX has beeen negligence since XX/XX/18 My file is not accurate. 

Personal loan ID : XXXX
I was contacted by the XXXX XXXX XXXX who evicted me because I reported and filed police reports because of safety issues. There was a man stalking my apartment and my XXXX young boys and after repeated notifications to the apartment complex they did nothing to help me. They even stated their cameras were not in working order so they could not catch the suspect on camera. I attempted to move to a higher level because I was on the ground level but was told I would have to pay a new security deposit and month 's rent before the transfer could take place. The apt complex knew I did not have the extra money to move because I was a single mother and recently lost my job. Despite everything that I was going through, I made attempts to pay what I could my last month of residing there ( approximately XXXX 2015 timeframe ) and my money was accepted, but I was still evicted. I then received a bill for over {$1700.00} stating that I needed to pay for the remainder of the month in which I was evicted as well as the upcoming month because I had voluntarily left the property. This is absurd. When I contacted the debt collector, they had stated that they had no recollection of eviction and their client, the apt complex had informed them that I voluntarily moved out and that I owed rent as well as replacement of carpet fees worth over {$1000.00}. They kept my security deposit and sent me a bill which was surprisingly already on my credit report being reported as a collection. This has ruined my credit and I want justice. They did threaten to take legal action and hired this attorney 's office which is the one reporting this false debt.
Back in I believe between XX/XX/XXXX or XX/XX/XXXX- XX/XX/XXXX I can not recall the actual date of the payoff but the payoff was made in two payments. When we called Conns and spoke with a Conns Team member she researched and found that the payments at one time where being applied to my husbands account. They told me and my husband that they were going to research and find the payments and get back to us and they never got back with us. Please help me.
XXXX XXXX : XXXX Please Note : CFPB Complaint XXXX-XXXX I did not request an investigation nor dispute. I asked you who updated and verified this account, specifically " Who the XXXX, is making these inaccurate changes? ". 

Do not start another dispute, this would be the fifth dispute and would be the fifth time you failed and lied about verifying the accuracy of this account. 

Either provide a method of verification as requested now for the 3rd time or remove this account. XXXX XXXX does not count as verification. 

I'm done playing this game, either you or XXXX XXXX has been falsifying information on my credit report which i take seriously and which has been a detriment to me. If the CFPB or FTC refuses to do anything i will seek restitution and resolution under FCRA through the courts. This account needs to be removed immediately. Ive documented every form and occurrence of communication with you. Once i start litigation there will be no settling outside of court or dropping. If i start this process it will go full course and what i am asking to do now, which is remove this account, you will have to remove and pay me for not removing it sooner. No games, no threats, just tired of this bs. Remove this account now!!! 

As well i will file a complaint with the FTC, State attorney generals office, XXXX  until time comes for me to see you in court. You have until XX/XX/2019 to remove this account from my reports.
Homeside financial has contacted me to refinance my property around XX/XX/XXXX. I did not initially contact them. I informed them that I had a potential problem on my credit and that I had I had some urgency because my second mortgage was going to expired on XX/XX/XXXX and I would have to pay a renewed fee of {$1200.00}. I had provide them all of their requests and financial information for their review and approval in a timely manner. They told me that they could resolve my credit issue and refinance my property. In addition to that I told them that I would not pay for the appraisal until I am fully complete approved.They promised that they would complete my application on time and that I would be approved quickly after a initial review on my financial and credit report. They would always reply to my communications stating that everything were under control and that I should be approved soon and they requested me to pay for the appraisal. They have also changed to at least 3 different people handling my application - XXXX ; XXXX ; XXXX XXXX. Now we are on XX/XX/XXXX,  They are not longer returning my communications. Fortunate I was able to get an extension to pay my second mortgage renew from XX/XX/XXXX till now end of XX/XX/XXXX but I had to pay {$1200.00} to renew last week. I am also asking Homeside my appraisal refund. They are completely ignoring me at this point. Before I move a civil lawsuit against them I want to try to make a formal complaint with you. thanks for your assistance.
I refinanced a condo XX/XX/XXXX with no problems. I did not set up an escrow account and paid my taxes and insurance separate from my mortgage payments. XX/XX/XXXX, RoundPoint Mortgage contacted me saying they had paid for my insurance and wanted to be paid back. I checked with my insurer, and they did have a payment from RoundPoint, so in XX/XX/XXXX I paid RoundPoint. Then in XX/XX/XXXX, I looked through my paperwork for the refinance. I have a XXXX form that shows that I paid for insurance as part of closing. I 'm not sure where that money went, and I think I paid twice for that year of insurance. I have called XXXX repeatedly, only to have them tell me to email their servicing help desk. I did that and only received an automated response and no reply as to what any research they may have done turned up. I also sent a letter explaining the situation with a hard copy of the HUD-1 statement and sent it by certified mail. RoundPoint received it ( per USPS certified mail tracking ) on XXXX. I just called them again and was told to email them. I do n't think they are doing anything to look into this matter, and I just keep getting a run-around.
ONGOING ISSUE! My original loan was through Countrywide. From my understanding Countrywide never gave up the note on my home to the trust ... .not because the home is worth considerably less. Therefore you do n't have securities backed by this mortgage. If Countrywide never gave up my note then they have no standing in this foreclosure.
I received a flyer from American Express asking me to sign up for a business credit card and spend {$10000.00} w/in 3 months to receive XXXX points. When I tried to use the code and sign up online, their website kept telling me it was having problems and to call and sign up. When I did so, I made sure the representative was signing me up under the XXXX reward points code. After fulfilling the {$10000.00} spend requirement, I noticed I was only given XXXX points. I contacted AmEx numerous times, being told that although they confirmed I was offered the XXXX point offer, that I was signed up under XXXX point offer. This is fraud, they intentionally enticed me with the XXXX point offer, then ensured I had to call instead of signing up online where I could have verification of the correct offer ( the rep told me that they make everyone call ), then switched offers after verbally telling me I was getting the XXXX points. Classic bait and switch.
3rd party debt collections company XXXX XXXX XXXX claim I owe debt that has aged off 15 years ago and are calling me while at work. I told them not to call me, and have added my cellphone number to the do not call registry.
I keep getting paperwork for a debt I have no idea about i never took out a loan in the amount of {$3700.00} i have no knowledge of this amount it is not mine. I could never get a loan and want to know what this is for. They keep sending me these notices I have no idea about show me what this is for and what amount this if what i applied for.
XXXX  as well as Experian needs to update report as XXXX balance and as a paid and serried charge off as XXXX  has done in their reports which I will send photo of credit reports showing XXXX reported correctly and XXXX  and Experian has not. XXXX XXXX XXXX needs to notified XXXX  and Experian as a XXXX balance and a paid and settled charge off
I rented an apartment back in XXXX with a friend. I moved out of the apartment in XXXX. However, my friend stayed in the apartment. I went to the main office and requested my name to be removed from the lease, I was told that everything will be OK and my was would be removed. I later found out that my friend was behind on the rent and my name was still on the lease. Since I 've already moved out of the apartment and requested my name to be removed from the lease I am not entitled to this amount. I would like to get it removed from my credit score because it is affecting me. I am not able to get a loan for a mortgage, and buy a house for me and my family.
I contacted this company on  XXXX   XXXX ,   XXXX   asking for validation of this debt. They have not responded, I did not enter into a written contract with this company and do not owe them anything.
A company continues to call my parents home. They have called several times over a span of 6 months. In the beginning of the call frequency, they were leaving messages looking for someone with my last name. However, the first name was not a member of my family. 

Three weeks ago, the began to call my parents residence again. Now, leaving messages for me specifically. They are clear on all details in most of the details when leaving a message, but slur the name of the company ( Possibly " CSA ) ''. The contact number they leave is XXXX. When I look up the company name or the number online, I can not find any connection to a creditor company.
American Express offers a checking account replacement/prepaid card called 'Serve ' which I 've used for over two years in place of a standard debit card and checking account. Two days ago, I initiated a transaction over the phone using the card in the amount of {$910.00}. I gave the card # to a representative of the merchant and hung up, in anticipation that they 'd run my card and delivery my goods. Instead, I got a call from the merchant saying that they 'd tried to run the card and it was declined. After investigating, she realized that she 'd tried to run the card for {$2000.00} instead of the amount she was supposed to. When I checked my card account, I discovered there was a 'hold ' in the amount of {$930.00} - the entire available balance, on the card and the remaining available balance was {$0.00}. From the viewpoint of the merchant, they got only a 'decline ' message and no 'auth ' code. From my point of view, I was charged {$930.00} - an amount I did n't authorize. When I contacted XXXX, they claim the hold was a procedural matter and that it would expire in 7 calendar days. This is now 4 days before Xmas and I was forced to make a SECOND payment to the merchant of the original {$910.00} and after 6 subsequent phone calls to XXXX, I was stonewalled, told there was 'nothing they could do ' and even hung up on by a representative who grew tired of hearing my complaint. 

This ... practice ... must ... stop. There is NO legal basis for a bank, credit card company or prepaid card provider to hold or make unavailable funds subsequent to a DECLINED transaction. It 's like saying, 'well, you did n't have enough room for that transaction ... but now we 're going to hold on to what you DO have ... for 7 days '. HOW has this been allowed to go on? This is unfair to consumers and only pads the assets of big banks and credit providers temporarily at the expense of our finances, cash flow health ... and our sanity.
I have a complaint against Wells Fargo Bank. 

I gave XXXX my bank account number and routing number to withdraw money on a certain day. 

When that day came, I did not have money in my account. Wellsfargo charged me {$35.00} for not having money. XXXX tried to take money from my accoutn continuoisly every day. It has caused XXXX to XXXX times {$35.00}. When I called Wells Fargo, they refused to refund the whole fee. I earn $ XXXX as a XXXX. Paying {$140.00} out of my meager income in Wells fargo fees is over whelming. 

The bank is practicing lack of compassion and poor judgement in this punitive act. 

Please have Wells Fargo refund the {$140.00} to me. Thank you. 

XXXX
Equifax fails to indemify identity theft accounts by placing a block on those accounts in accordance to the FCRA section 605 ( b )
I have received no communication whatsoever from this company about a debt that is now on my credit report. I never had any business dealings with this company. After challenging the debt reported on my credit report the company still refuses to take the erroneous listing off my report.
Nationstar Mortgage purchased my loan from my original mortgage company. I was sent information stating none of the terms of my loan could be changed. Nationstar refused to make payments from a volunteer escrow account that I had with my previous loan company. My homeowners insurance was canceled and I had to pay a portion of it to get it reinstated. I asked in XXXX of XXXX that my escrow account be removed from my mortgage statement. I paid my second qtr. taxes in XXXX XXXX and recently paid my 3rd qtr. taxes XXXX/XXXX/XXXX. Nationstar has been applying the principal and interest payments I have been sending to everything except my principal and interest. I was told in XXXX by a representative of Nationstar that my bill would be corrected and it would be reflected in my XXXX bill. Although my taxes are paid and all my principal and interest payments have been made to Nationstar, I received a threatening letter from Nationstar. And, now that they have sent a threatening letter, it is nearly impossible to get a representative on the phone. After a barrage of calls from Nationstar, and my attempt to contact them, I get a voicemail answering service for the first time ever. It appears Nationstar is attempting to ruin my credit in the process of trying to force me to send my taxes and insurance to them. They have added fees and requirements that were not part of my original loan terms. Once they were notified I was going to refinance my loan I received mailings and calls in an effort to get me to refinance with Nationstar. I have refused based on loan rates and since then Nationstar has attempted to bully me through coercive actions..
XX/XX/XXXX XXXX XXXX XXXX ran my credit for no reason knowing that my family member did not need a co signer they just ran it to run it. I got 3 hard inquiries.They ran it through XXXX XXXX XXXX and XXXX. i ask them to call the financial and to get them to take it off my report they denied saying it want hurt my report but recently i applied for a credit card and was denied because of all the inquiries. I would really like for these three to be pulled off all three of my credit reports.
I have a loan with Pennymac Loan Servicing, I have not ever missed a payment. Each time I call they tell me that I am missing a months payment, I have contacted them several times and they can not tell me where the breakdown is, and I have also sent in bank statements, and letters on bank letterhead stating that ALL of my payments have been made and not one has been returned unpaid. I need assistance with this issue. They are reporting that I have missed payments every month, and late charges.
BSI Financial does n't send me a monthly statement nor do that make one available online each month. In addition, sometimes they post a payment one month after the payment has been made.
On XXXX2015 I contacted Chase claims department and custmer service to report unauthorized charge was frauduently deducted from my checking account I did not authorized by XXXX. I also contacted XXXX that I inform Chase had been contacted. Chase did not request a handwritten formal dispute from me. I was led to believe the had consumer protection for their customers. I explain to Chase that my car was being repaired and the dealorship contacted XXXX who they do business with to come to their dealorship and pick me up to transport me safely in their car to put me in a rental because the dealer did not have any loaners available. When I got to the location the business partner ask me for my personal information like drivers licensed, insurance card and a credit card. I gave to them when XXXX new the dealor was paying for it by discounted rate. When I returned the vehicle to the dealorship. The XXXX rental charged my credit card without my knowledge. On the XXXX of XXXX 2015 I received a email from Chase claims department and was told by customer service it is difficult to collect on this entity and I was not given any consumer fraud protection. I was told three weeks later that they would not be able to handle the fraud on my account. I said why did you waist my time if you knew you was not able to handle the fraud onmy account. I did call back again and spoke with someone else then was given another story that they did not have copy rights to handle this fraud on my account and never contacted XXXX to dispute the fraud. So now time has passed and time had ran out for me to rebuttal the unauthorized charge against my account. I closed my account to avoid anymore unauthorized charges to my credited card. Then I discovered Chase added the fraud charge never disputed with the merchant whom I never personally done business with only misled by business relationship with dealor and rental car business who slammed my account for charges the dealor agreed to pay for and the XXXX employee trusted the dealor to pay. Instead the rental car employee charged my car with no permission of myown. Anyone that takes possession of a rental rather the dealorborinsurance or third party is paying. A drivers licensed insurance card and credit card must be given for security purposes. The Chase rep started screaming at me very unprofessional and have bounced checks and taken money put me in the negative in my account.
Got Loan f rom company on approximately  XXXX / XXXX / 2016  to fix my automobile in anticipation that my  Insurance Company   XXXX   XXXX  would be paying for damages incurred by a freeway accident on  XXXX / XXXX / 2016 .  XXXX   XXXX  found a way to deny my claim on  XXXX / XXXX / 2016  and I was stuck with the loan. Did research on to try to find a solution and found out that the loan itself is illegal in the state that it originated according to anti-loan sharki ng laws, California, the state that it was loaned in according to small loan law, Alabama, and according to Federal Law, the Electronic Funds Transfer act, because the loan requires to originate both that the lendee accept from the lender and make payments to the lender by Electronic funds transfer to be abl e to receive the loan.