WillisBack/dataset-financial-user-claim huggingface dataset:
I rented a car from XXXX. When I arrived they did not have the intermediate size car I had reserved and prepaid at a rate of {$73.00} and could only provide a larger car which would be more expensive. They quoted me an additional {$56.00} for the rental. I was not very happy about that but had few options so I accepted. When I returned the car at the time agreed, they instead charged me an additional {$150.00} with no explanation or justification for the increase. I repeatedly phoned the XXXX office who said they would adjust the charges, but they did not. Finally I disputed the additional charges with my credit card company. During this process XXXX had an opportunity to contest the dispute and they did not ( as seen in the letters from XXXX. ) Therefore XXXX refunded me the {$100.00} that was over and above the amount I agreed to pay. I thought this was the end of it until I received a debt collection letter from Viking. Now, this is affecting my credit and I do n't know what to do. I *do not owe this money* - but there seems to be nowhere I can go to establish this fact.
Hi my name isXXXX XXXX. A long story short ... .I have federal and private loans through Navient. They are indicting that I owe almost {$80000.00} in loans!!! They are saying I have 4 loans through them. However, my parents have paid, in full, two of my federal loans and they have confirmation of such. I should only have two more loans through them which both my parents and I are paying. I have had a VERY difficult time trying to set up a payment plan with them so I can actually pay them back and not ruin my credit!!!! Its becaise of them that Ill never get a mortgage in my name : ( ( they have ruined my credit because they are not willing to work with me!! And when my mother just recently called to see what is was that we owe and how much, they wouldnt give her an answer!!! Whats up with that????

Working with them, well trying to work with them, for the last 11 years has been XXXX. They are unruly. I do not make that Much money and they want like $ XXXX/month from me!!! I cant do that.

Anyways trying, begging, for help and direction on how to see if they have XXXX  me over. There is NO way I owe {$80000.00}!!!!

Please help me ...

XXXX XXXX
Bank of America charged one year rent for a safety deposit box two years after I closed all my accounts and left the bank.
I have a dispute with Ally Financial over a lease for vehicle that has ended. Ally is demanding payment of {$640.00} because of scratches on a vehicle I returned to the dealership at the end of the lease. The term lease was for three years and XXXX miles. I took very good care of the vehicle throughout the three year term of the lease, and returned it with XXXX miles, XXXX XXXX less than I essentially paid for. Ally Financial is claiming that the XXXX scratches ( mainly on the roof and hood of the car ) amount to " excess wear and tear '' because the XXXX scratches are more than XXXX inches in length. 
Ally 's lease is, by its own terms, the entire agreement between myself and Ally. The excess wear and tear provision in the lease is quite specific and detailed. Nowhere within the excess wear and tear provision is there any indication that scratches a certain measurement amount to excess wear and tear. 
This is not an argument on a technicality. I reviewed and relied on the lease and its terms before returning the vehicle. I also visited the dealership with the car for assistance in making sure there were no issues with excess wear and tear. The dealership representative told me the car was in excellent condition and that because I was returning the vehicle with less miles than I was allotted ( XXXX less miles ), I was pretty much returning a vehicle with more value than could have been expected. 
What Ally is doing is attempting to enforce its unilateral determination - outside of what is described in the lease - of what constitutes " excess wear and tear. '' That unilateral determination is performed outside the presence of the consumer, without the consumer 's knowledge, on terms not agreed to by the consumer. I have no doubt that Ally has collected monies from other consumers under similar circumstances and it is in my view a bully practice. 
I have written a letter to Ally and it has not responded. In fact, I have never received any final notice indicating that I owed the amount referenced above. Instead, I was sent a " reminder notice '' of the owed amount, and after I called to confirm this was a mistake, the representative told me I did owe the amount and could not explain why a final notice was not sent to me. 
I am concerned about my the amount that Ally claims I owe. I am concerned about this affecting my credit at this point. I am also concerned about this type of bill collecting. I am troubled by Ally 's failure to respond in a reasonable manner. Despite my best efforts to resolve this with Ally, it does not appear to be going anywhere.
I was contacted earlier in the year by a representative from Iberiabank. I left voicemail but never received an answer back. 

In XX/XX/2018, I received a voicemail from XXXX and attempted to call back but there is either a long hold or when I press 1, it hangs up my call. I can not reach anyone. I also received an email to my Iberiabank account but could not login at all. I have been having issues logging into Iberiabank for a long time, especially since losing access to electronics from Harvey. 

Finally, I received a mail notice from Iberiabank on XX/XX/2018 stating that my account ( XXXX ) was being charged off due to an extended overdrawn status in the amount of $ XXXX. I had no idea my account was in this status until XX/XX/XXXX. Why was I not mailed a notice before then? Any call attempts I had were no good.
I received a XXXX from Ocwen dated XX/XX/XXXX forgiving {$200000.00} which resulted in a unpaid principal balance of {$380000.00} ( see attached exhibit A ). I subsequently received a loan modification dated XX/XX/XXXX ( after a series of mishaps with Ocwen described in a letter from Ocwen dated XX/XX/XXXX ) ( attached Exhibit B ). This loan modification indicated that my principal balance was {$500000.00}. along with a balloon mortgage of {$210000.00}. My payment history indicates a current balance of @ {$370000.00}. ( attached as exhibit C ). I do not agree with the addition of this mystery balloon payment as there are no representations of it anywhere else in my records. 

I will file two separate complaints for other concerns that I have with Ocwen, but would like your assistance in getting a concrete explanation of the purported balloon mortgage and acknowledgement from Ocwen that this will not be added to my balance now or in the future
I have notice some charges to my checking account. I made a merchant charge to my account of say {$6.00} at XXXX XXXX, the suddenly, a charge of actually {$1.00} or {$2.00} is made to my account from XXXX XXXX. I recently made a charge to my account from XXXX for a warranty for {$59.00}, the XXXX at the Chase Bank, here in XXXX XXXX, pointed out to me on the bank 's computer of another additional charges of {$1.00} and {$2.00} and {$28.00} from XXXX. Since obtaining, the new chip card, I have notice these type of charges that apparently are being made. I suspected from quite some time of virtual charges to my account for a number of years, Because some how, I made a purchase and the debit and credit did n't add up and complained to the Bank, to no avail. With the new chip in place, that charge is showing up and is deducting that amount from my account., but when I try to retrieve the information from the Bank , account online website, it has disappeared. I saw this on the XXXX warranty and XXXX and Chase Official statement was that there is no charge. It appears on my account, and now my account is overdrawn, but by my calculations, I should have about {$60.00} in my account, but the additional charges that appears have taken a toll on my account. Someone is hacking into my accounts and is taking funds. It appears, that Chase is aware of this because they are responsible if this is happening. They will not investigate or find out how this happening. I suggest, that CFPB investigate some of the banks, You can start with my account. I strongly believe, that it maybe happening to the XXXX accounts because it is easily to hack, they have the same amount each month and no one is looking at this.
My name is XXXX n i have a checking acountt with hsbc.. i got debit and credit card both.. but i never knew that one mistake i made n which is very badly hustling me.. beacuse i m saying it, if i knew i would have never done that, cz i have a good transaction sith hsbc., Scenerio ... 
On of my friend advise me to do online survey.. i did to be honest.. and i got a check from them too.. i dont remember the company name but i got it USPS service at my home address.. n when i received thst i was happy n excited.. n also i never knew or know ehst is fake check n what is good check :. So i deposited thise checks in my account .. if i knew yhat the check eas fake.. i would never do that.. even when i saw that deposited has made, i promise i havnt spent a single XXXX from that deposite.. and so on.. i promise if i knew i would have never done that. So next day when i sit to make a payment for my husband, i saw that my card was block and my account was suspended.. so i called the bank in the main time n they told me that something fraud related happen so they r connnection me to them, more than 30/35 mins til todays date i call them but no respont.. after than inwent to bank n talk with a represtator, n she explain me .. what actually happen plz help me now with this.. plz its a request ...
I have disputed XXXX collection accounts with the City of XXXX XXXX, account number XXXX in the amount of {$150.00} and XXXX in the amount of {$140.00}. This information has not been legally verified per the Fair Credit REporting Act and it 's affecting my credit. They City of XXXX XXXX ca n't even provide validation that these accounts belong to me.
never late with a payment - they just increased my interest rate on an existing loan, was not a new purchase. I no longer have the old paperwork
18 months ago I leased a vehicle in New York with US Bank as the lease holder. 

Recently US Bank sent me a letter informing me I owed them nearly {$600.00} more in sales tax because I moved to Nevada? and that the Nevada Sales Tax Department had sent them ( US Bank ) a letter attesting to this. I contacted the taxation department in Nevada and they confirmed not only did I not owe them any tax of any kind but they had not sent US Bank any letter stating that I did. 

The Nevada State Taxation Department subsequently Faxed a letter to US Bank informing them of this, that I in did not owe any Nevada tax on this leased vehicle ( I have a copy of their letter and attached it to my complaint ). 

US Bank subsequently debited money from my bank account without my authorization to pay for this bogus 'sales tax ' after I told them to stop auto debiting. They then promised me to mail the money back to but they have not done so and continue to send me letters insisting I owe the state of Nevada {$600.00} in sales tax. 

I have called US Bank Leasing department several times about this matter but the people in the department frankly have no clue about leases or sale tax and are of no help. 

I believe US Bank is attempting to defraud me. I need help
Per the attached Home Affordable Modification Agreement, I'm confused by it's wording. I want to pay off the balance early but when I calculate the amortization schedule it calculates out to a 37 year, 1 month payoff schedule. Per the chart in the attached file named " Existing Loan Information XXXX '' : The listed " Contractual Remaining Term '' of 37 Years, 1 Month. The listed Contractual Payoff Date is XX/XX/XXXX so only 17 Years 7 Months from date of XX/XX/XXXX and not 37 years, 1 month. 

In addition, page 2 of the HAMA shows years 1-21 and  total monthly Payments of XXXX from XX/XX/XXXX. I understand and accept there is a deferred principal balance balloon payment of {$21000.00}. I'm disregarding that balloon balance in my calculations but using my current balance of $ XXXX 4.00 % interest and a current P & I payment of {$1200.00} to calculate amortization schedules. 

I need a knowledgeable representative from my current servicer Bank Of America to contact me and explain the amortization to me. I would also like some options in paying it off early.
After speaking with the company and submitting a prior complaint, I researched and called the Secretary of the State and this company isnt bonded in the state of Texas to collect any debt. I have obtained a certificate from the state that has this information enclosed and will attach the document to this complaint. I would like for this item to be deleted from my credit report with all 3 bureaus immediately in fairness of my rights with the state laws along with the laws and regulations of the FCRA. This company has caused financial hardships and making it difficult for credit worthisness.
To whom it May Concern On XX/XX/XXXX, I received my account statement for my Personal Credit Line N XXXX, but I do not agree the interest rate on it. I have been complaining this account several times regarding the misleading and unfair interest rate Wells Fargo have been charging me these months. For example, in the statement ofXX/XX/XXXX, they applied an interest rate of 20.05 %, but in XXXX the interest rate changed to 20.75 %. Despite I have been paying more than half of the credit line, the interest rate still is unfairly increasing monthly. This unjustified and wrong action that has been taking by Wells Fargo against its clients must be stopped by a competent authority. 
I would take the respective actions, if Wells Fargo keep charging me this high and unreasonable interest rates. Also, I would stop my payments until my complaint was considered and my interest rate get changed to the initial yearly interest rate of 8.5 % ; which was offered to me when I filled and summited the application for this credit line in the XXXX XXXX store. 
Sincerely, XXXX XXXX
Due to the intentional withholding and misrepresentation of material information and status related to a Deed of Trust, mortgage, or real property Dual Tracking has occurred causing the unlawful recording of a Notice of Default ( NOD ) resulting in the unlawful sale of any debt that may be associated with the 2007 Deed of Trust causing a Trustee 's Deed to be recorded. 

The purchasers of the debt are now claiming ownership of my property and are threatening to bring legal action in California Superior Court to have me evicted from my home. But for the unlawful actions taken by Bank of America and their Trustee, XXXX XXXX XXXX XXXX ( XXXX ), I would not currently be facing life on the streets and worse as a XXXX homeless person. And all because Bank of Ametica simply did not follow the rules. 

I did not default on Bank of America ; Bank of America detailed on me. Furthermore, Bank of America has sold my home right out from under me thereby defrauding me of my real property. No matter how Bank of America tries to spin this, I did not defraud Bank of America. 

Smart phones got apps. Consumers got Acts to protect them from companies that refuse to do the right thing or act within the limits of the law. 

All previously mentioned resolutions are desired and mandatory.
I have no knowledge of usaa credit card for a credit limit of XXXX dollars back in XXXXand I would like it removed as it 's reporting to the XXXX and negatively affecting me
Using my Citi Visa Card, on XXXX XXXX XXXX, I authorized a one-time charge of approx {$15.00}. Citi apparently went nuts and decided to help a shady vendor perpetuate a series of fraudulent charges to my account. I had been managing that account by mail only, using the card very infrequently. Every other card I have used in the past would gladly refund any bogus charge over the telephone so I tried calling them. Frustrated at the lack of cooperation by their representative, I went online. 
I found that they had changed the {$15.00} charge into four separate charges on a single date, XX/XX/XXXX, in the amounts of {$3.00}, {$1.00}, {$3.00} and {$1.00}. On XX/XX/XXXX, they charged me {$97.00} and {$99.00} and on XX/XX/XXXX another XX/XX/XXXX {$97.00}, {$99.00} despite assurances that all charges had been removed. I was told that " it could take up to 30 days for it to not appear on the web site ''. 
My account, previously balance should have been a bit over {$100.00} but was being billed at {$520.00}. I have screen grab images of three separate reps assuring me that all charges had been removed, XX/XX/XXXX and XX/XX/XXXX. Today my bill stands at {$650.00}. Can the CFPB assist me?
Creditor tried to contact me by calling my boyfriend, whose number I never gave to the company. They tried asking him personal information about me that included my date of birth and SSN
I filed an identity theft report with the XXXX on XX/XX/2018. This is the report number : XXXX. XXXX is not removing the inquiries and accounts associated with this report of identity theft. I spoke with an agent from XXXX on XX/XX/2018. The agent said that he would remove the inquiries immediately and furnished the following confirmation number : XXXX. Upon calling for an update on XX/XX/2018, I discovered that the agent did not remove them as promised- despite me furnishing XXXX with the identity theft report, confirmation # XXXX.
I am buying a house and the mortgage company reported that they were only able to see XXXX ( XXXX ) score. That score is by XXXX. I tried to purchase a XXXX bureau credit score by XXXX but instead they send me a copy of my credit report which I already have from the mortgage company. XXXX has a policy that if you purchase a one time copy of your scores or report it is non-refundable [ Buyer Beware ] .Their XXXX bureau score report is XXXX Neither XXXX nor Transunion scores are available. I would be able to get a better rate if those other scores were available. We tried XXXX ( twice ) and called XXXX/XXXX/16 and the same problem. I have tried twice and gave up. When I try to go online and purchase those scores, they are always unavailable and they refund me my $ XXXX!! 
The agent at Transunion said he can see my score. But when I tried Transunion.com, they want me to purchase a 7 day Trial credit monitoring subscription and then {$19.00} thereafter before I can get my score. I refused because I only want a copy of my score which the agent says cost {$9.00}. THERE IS NO EASILY VISIBLE LINK ON TRANSUNION.COM to purchase such a score for such a price. To date I am still unable to get my scores
I traded in my car XX/XX/2017, which financed by capital one auto finance. The monthly account payment was late, but not 30 days yet. I received the new car and the dealer agreed to pay the remaining balance on the trade in car, which there was still a year and a half of payments left. The dealer took 14 days to pay off the prior loan, which was XX/XX/2017. I had no idea and was never told I was still responsible to make payments in till the dealer paid the loan off. If I had known ... I could have just made the payment. Received a 30 late on my credit report. I called capital one several times explain but no resolution. This account was paid off a year and a half early with just this one late late payment. I believe it's unreasonable for capital one not to remove this one blemish from my credit report.
I rented an apartment with my cousin and my uncle cosigned for us. At the end of our lease we moved into separate homes. They mailed her the paperwork saying we owed money because we did n't give them a 60 day notice which i thought she had notified them. I did n't find out this information until a year later after it was on my credit. I contacted the credit agency and make payment arrangements to pay in full. When making my second payment they asked me about a bankruptcy I said i knew nothing about it and they took my payment. They took my XXXX and XXXX payments. When making XXXX 's payment they would n't even talk to me because there was a bankruptcy on file and said I was unable to make additional payments and they were not able to even speak to me about the account and hung up. I 've tried several time to to contact them. I was never included in the bankruptcy. My uncle filed the bankruptcy. I just need it off my credit ill make payments. I do n't understand how they knew about it when they took the XXXX XXXX payments but now I ca n't do a thing with it. The Mortgage company told us this is the only thing keeping me and my fiance from getting a house. I just feel trapped at this moment because i ca n't do anything with this on my credit and I ca n't do anything to get it off. Any help would be appreciated.
I did not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you for over a year, and have failed to do so. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Which they both return notices the debt is VERIFIED, not validated. I have asked to submit proof since XX/XX/XXXX, and the debt collection agency has not. Proof I needed The agreement with your client that grants ( XXXX XXXX XXXX ) the authority to collect this alleged debt. Any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. Copies of all statements while this account was open. FDCPA entitles you as a consumer to validate a debt when a collection agency demands money from you. If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report. The notices i revied dated XX/XX/XXXX, was a notice of my dispute of inaccuracy of the debt, but if fact it was not, was for validation of the debt. The company has never provided this information, has had over two years to provide this information, well over the 30 days
Ocwen Servicing retained attorney XXXX XXXX with XXXX XXXX XXXX XXXX XXXX to modify my mortgage. Although, a modification was offered, accepted and signed, XXXX XXXX has breached contract by not fulfilling agreement. Per modification contract property taxes & insurance is to be escrowed however, I am having to pay out of pocket and I want to be reimbursed all money paid towards insurance. I am paying {$610.00} to XXXX XXXX in C/O Ocwen Servicing.