WillisBack/dataset-financial-user-claim huggingface dataset:
I leased a XXXX XXXX XXXX from Ally Auto. At the end of the lease, I opted for the buyout option. At Ally 's direction, I secured financing and sent payment to them for the buyout amount, they deposited the funds. A couple weeks later they called me and advised they made an error and illegally sold me the XXXX as they are not licensed in the State of Florida to sell cars and they would have to reverse the transaction. They sent the funds back to my credit union. Afterwards they instructed me to take the vehicle to a local dealer in Florida. At the dealership, we decided to lease a newer vehicle as opposed to buying the XXXX and turned it in on XXXX XXXX, XXXX. I then received a letter from Ally advising they were charging me {$270.00} for lease extension fees because the vehicle was not turned in prior to XXXX/XXXX/XXXX. I detrimentally relied on the information they gave me concerning the buyout. Had they provided me the correct info from the beginning, I would not have turned the vehicle in late and therefore would not have incurred the charges.
My issue does not have to do with an auto loan, but I did n't seemy issue as a choice. It has to do with a faulty car part. Not sure if you all deal with cases like mine, but I do n't know where else to turn for help. 

Wed XX/XX/XXXX I brought my car to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, because my XXXX XXXX XXXX which I bought in XX/XX/XXXX, was having difficulties starting. My XXXX XXXX XXXX has 58k miles on it currently. 

It turns out my starter is going out and they told me it would cost about {$700.00} to fix it. I was very upset, of course, because there is no way my starter should be giving me problems at this point with 58k miles on the car. 

On the same day, Wed, XX/XX/XXXX, XXXX XXXX 's, manager, XXXX XXXX, contacts American Honda and because this is a " known '' issue -- - I 'm informed American Honda offered to split the repair cost with me 60 % Honda and 40 % me. When I ask if I can speak to the contact person or decision maker at American Honda, XXXX XXXX tells me he " ... is prohibited from giving me American Honda 's  number. '' XXXX XXXX advised me to find the number myself in my owner 's manual. Needless to say that should have been an indication as to Honda 's helpfulness in this matter. 

When I called American Honda on Monday, XX/XX/XXXX, I protested the 60 % 40 % split, because I do not believe I should be on the hook for a part that is " known '' to be faulty. I was told by an American Honda representative or " case manager '' XXXX to take it or leave it. That my car was out of warranty and that this was a limited time 30 day courtesy offer extended to me, because I was a " loyal '' customer and the issue with the starter is a " known '' issue. When I asked for an email so I could correspond with American Honda in writing, I was told by XXXX that they would only speak to me on the phone. Even if I wrote a letter, my " case manager '' would only call me back and never return my letter in writing. 

I looked into this starter problem and apparently the starter is going out on a lot of XXXX XXXX  and XXXX XXXX, XXXX, XXXX models. There is also a class action law suit  forming on the east coast, law firm is XXXX XXXX XXXX XXXX. 

My question is do I have any other recourse? Can the CFPB put any pressure on American Honda to correct their problem and not hold consumers accountable for their faulty part? American Honda are denying culpability and hiding behind the fact that the vehicles are out of warranty as their excuse for not covering the entire cost of the repair. Is that legal? 

My case reference number with American Honda is # XXXX. American Honda 's phone number is XXXX ext. XXXX. Address : XXXX XXXX XXXX, XXXX CA XXXX
Filled out a dispute with equifax for almost all the accounts on my credit report. I had my social security card and license stolen some years ago and the people stole my identity and I was a victim of fraud. I tried to tell XXXX that these accounts were not mine but they lowered my credit score even more bc these were not paid. I demand that these be taken off my report or I will have no choice but to file a complaint in court against them.
I have a line of credit /home equity with Wells Fargo . Back on XXXX XXXX I received a letter that my pmt may change in XX/XX/XXXX. It stated that the est pmt may be {$500.00} and in small print it stated that this was an estimate only and that I should call for a more detail clarification of my new est pmt. I did call on XX/XX/XXXX at XXXX MST and spoke with XXXX XXXX she specifically calculated what my new pmt will be and came up with {$220.00} p/m - I asked her why in the letter it said {$500.00}? she told me not to worry it was only an estimate as the letter stated but my real pmt was going to be {$220.00}. Before my pmt was interst only about $ XXXX p/m but I was sending about XXXX per month so it did not appear to be a fin prob for me. As of XXXX and eevry month since I have paid them {$250.00} on time every month and they suddenly kept increasing my " past due amount another {$250.00} more per month. They increased my pmt to {$500.00} per month. I contacted them and file a dispute with them and asked them to escalate it and correct it as this is not waht I was told by them. I actually talked to XXXX XXXX on XX/XX/XXXX and before I explained the whole situation he also calculated for me the same pmt of {$220.00}. Wells Fargo never took resp of the bad info they provided me ( 2 diff.people ) and they claim that it was a mistake but they will not correct it for me. I have been calling them since and complaining and they wont help me. I just checked my credit score today and it has gone down from XXXX in XXXX to XXXX!! because of the reporting of WF. It is affecting my credit and I ad a very good score. I need help with WF I will attach all of my notes as I have done everything I can with them and they wont help me even though they admit they made a mistake. They want me to do a loan modification which will affect my credit even though I have not done anything wrong and for years I never missed a pmt and always I sent more than the min. I also have in the same house a 1st mortgage with them and I have never been late. The lasy time I spoke with them on XX/XX/XXXX with XXXX XXXX at XXXX x XXXX at XXXX mst I asked her to escalate the issue and she told me that GT at extension XXXX was going to contact me in less than a week - as of now XXXX XXXX I have not heard back from anyone at WF evrytime I try to call its a nightmare to speak with them and I have to explainthe whole thing thing over and over and they just give me the run around. 
please help me
Wells Fargo charged me fees that were unwarranted. We were in the process of relocating from XXXX to XXXX and in that process meant paying off my mortgages with them ... which I think contributed to their lack of response. When I was in the branch in XX/XX/XXXX as we were finalizing the process for the sale of my home, I asked them to downgrade my account from the PMA to the basic. That did n't happen and since this was n't my primary account, I did n't check right away. Then as I was finalizing a payoff for another loan, which I made in the branch before the due date, received confirmation. I was then charged an overdraft for the automatic debit for an account that was paid off. When I went back to the branch, I was told that only the branch manager could waive fees but they were n't in the branch. I tried one more time at the same branch as well as another branch and both times the branch manager was unavailable. Then I received confirmation that I was in charge off. It felt like wells did everything via their processes to prevent a good customer experience.
Hello, I received an advertising mailer to my home sometime around XX/XX/2018 offering a low interest loan which I was interested in to consolidate my credit card debt and pay it off. When I called the number around XX/XX/2018, Mr. XXXX XXXX with XXXX   answered. After discussing a few details he returned my call and said I was not qualified for that program but I was qualified for their debt relief program which sounded okay as they would resolve my debt and I would pay them instead. He made it seem that it would only take a short time and I would benefit from it so I signed up for the program. Unfortunately this was the worst thing I could have ever done as my credit is now destroyed because they advised me to close my long standing accounts and not to make payments. Once I realized this was a huge mistake, it was too late and my credit score is XXXX and has never been worse. In addition, I am now unemployed and this has negatively affected my efforts to not only find a job, or start a business, but to support myself while out of work. Overall, I feel I was duped into this program and the mailer was a bait and switch tactic.
i was added to my husband XXXX XXXX XXXX 's account at XXXX department store as an authorized user a few months ago. He had a high balance when i was added. The next month i asked to be taken off account as a user because the balance showed up on my credit account and lowered my score. They took me off the account. It still shows a high balance of XXXX on my account as an authorized user on credit reports. I have since in the last few days opened my own account at XXXX in which it does not show up yet. But i want my husbands account balance off my credit report - please.
National Collegiate Student Loan Trust re-aged the XXXX accounts so the XXXX year period will began in XX/XX/XXXX not XX/XX/XXXX. This is a common trick by debt collectors in order to add more time to avoid statue of limitations laws. In addition, all three National Collegiate Student Trust accounts were dismissed in XXXX. I disputed the National Collegiate Trust or XXXX Services accounts on all XXXX major credit bureaus and the investigation results states, '' still remain ''.
I had requested to Bank of America that I wanted to place my home up for short sale 2015. I fax documents to the for approval that have been giving me the broaden around. I am working with a real estate company for a buyer, BOA shut that down. From 2015 to current I have been sending BOA my leave and earning statement and bank statement but I can not do a short sale. I am really frustrated, please help.
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! I contaced the company they said they never spoke nor heard from any credit reporting agencies. This lets me know that there was no proper investigation, it was electronic if anything at all, and they nothing was done on my behalf. Please remove this account, as you can see on my report i have no derogatory marks, i take my finances serious, and this alleged medical debt has ruined my credit, and put a delay on me closing on a home. Fix this issue please.
On XXXX/XXXX/XXXX, regarding a debt for a " Total Rewards XXXX '', XXXX XXXX employee " XXXX '' contacted a third party and disclosed multiple pieces of my private information. They contacted my father, who in turn contacted me. They told him my birthday, social security number, address, and claimed to him that I owed {$460.00}. This is an absolute violation of the law and I am disgusted that they would bother my family members, and angry that they have given my information to a third party. It is either they gave my private information to a third party unknowingly, or they purposely contacted my family members about a supposed debt.The FDCPA absolutely prohibits such behavior. 

They contacted my father at telephone number : XXXX. He is XXXX XXXX XXXX and lives 3000 miles away from me. He is not a co-signer on any accounts.
The information from my credit card was somehow obtained and used to create another bogus credit card where over {$1500.00} was charged to my account. I had stayed at a motel while in the XXXX area and was issued a magnetic key which I turned in when I checked out. Not sure if the information was obtained from the magnetic key or not ; however, I only used my card in XXXX places during the time I was in the XXXX area.
I have a new hard inquiry on my credit report that I do not authorize. This company has already ran my credit score in XX/XX/XXXX ( reported on my credit report as of XX/XX/XXXX ). There is now a 2nd inquiry posted to my credit report as of yesterday, XX/XX/XXXX. I'd like this removed immediately as it is not an authorized inquiry and it effects my credit score.
We have been dealing with XXXX Bank and Bank of America for more than 4 years trying to work out a loss mitigation settlement on our home. This story is hard to tell without giving some details. We stopped paying our mortgage in XXXX 2011, after seeking the advice of several professionals ( real estate agents, attorneys, and financial advisors ). Our property had lost half of its value, and we were literally throwing money away. We had tried to refinance with our lender for 2 years before we stopped paying. 
After losing my job, we put our house on the market hoping for a short sale. Over 4 years, we had XXXX short sale offers XXXX XXXX, a cash offer for the fair market value of the property ). Every time we had a sale, we would submit the paper work to get approval for the short sale. Every time it was rejected. Recently, we have been trying to get a deed-in-lieu of foreclosure, since short sales are no longer happening in our area. Buyers are not willing to put up with the red tape involved with a short sale. 
We feel that we are dealing with a conflict of interest -- -- - Bank of America who owns the mortgage and XXXX Bank servicing the mortgage, and another arm of XXXX servicing our HELOC. We have to work with XXXX Bank regarding all the paperwork, but they tell us that Bank of America 's investors will not give us a deed-in-lieu, but with no explanations as to why. Bank of America was ordered by the courts to resolve these situations with the government settlement they received. 
We had never missed a mortgage payment and had excellent credit, until the housing crash forced us to make some difficult decisions.We did nothing to cause this situation. Our home was supposed to be an investment to supplement our retirement. Now we start retirement with a damaged credit rating and a house we can no longer afford. 
This system is entirely broken. We have spent countless hours filling out paperwork, working with professionals, and doing research. We have come to the conclusion that it is in the best interest of the banks to deny anything which benefits their customers or the XXXX economy. Our tax money bailed them out, but they are not helping those who were hurt by their reckless behavior. 
Any assistance or advice you might provide would be greatly appreciated. We feel strongly that hearing our story might spur future legislation curtailing the power of the Banking Institutions in this country.
I purchased several electronic gift cards on eBay from PayPal Digital Gifts ( part of PayPal ). Despite keeping the codes secure, when I went to use the gift cards I found they had all been used without my authorization. The total dollar value of the gift cards was {$1300.00}, across XXXX cards. 

After a quick search, it turns out that PayPal Digital Gifts had a web site glitch around XX/XX/2016 that allowed private data ( gift card codes, email addresses ) to be viewed publicly with a simple Google search. This problem was quite widespread and has been well documented across many web forums.
I purchased a vehicle from XXXX and was financed through Santander Consumer USA Bank. The vehicle Was taken back by Santander in XX/XX/2016. Santander sold the vehicle and reported a balance of {$8000.00} to my credit report. Every month since XX/XX/2016 Santander has reported a different balanced owed as well as different loan terms then I actually initially signed for. Santander has also reported different amounts to each of the credit bureaus. They have also had over {$8000.00} worth of interest on a vehicle that they have already sold and was not stated in the intitial agreement that this would happen if a vehicle is repossed and sold at an auction. I made over {$5000.00} worth of payments to Santander when I had the vehicle and I have no idea where the money went. They also gave me a 26 % interest on the vehicle without verifying any check stubs or proof of employment.
XXXX changed their account spending limit ( ASL ) fee which is a breach of contact therefor this debt should be removed. Other customers we allowed to canceled without penalty due to this change in contract, I am request this debt be remove from all three credit agency 's
In processing and deniying an loan modification, the servicer, in a complete lack of transparency, committed muliple mortgage servicing violations as delineated in the attached PDF. They further stated an appeal was not submitted and it clearly was by and through my office on behalf of our client.
On XX/XX/2018 I obtained and printed a credit report from XXXX  and then attempted to get a report from the other two. The request was denied stating that I had obtained reports from all three within the past 12 months. This is not true unless someone other than myself did so.
It is XX/XX/XXXX and I have received at least 4 calls since last week from XXXX looking for me ( former married name from XX/XX/XXXX ) ... and they've even called my family ( some of whom I don't even have a phone number for ) and friends! This was in regards to a payday loan I had discharged in XX/XX/XXXX and when I called them back, I requested that could send them proof of said discharge. ( The phone number I called back was XXXX ) I was told to pay them first ( not send in the proof ) and then I could have the option of disputing it in court. I told them I wasn't going to pay something I knew 100 % had already had discharged over 8 YEARS ago. They called again today and I told them I would like to speak to a manager ... .guy said he would transfer me and instead hung-up! I called back and stated I was just about to be transferred to a manager and to please do so and the lady ( this time ) stated the managers had already left about 30 minutes ago! TOTAL SCAM!!!
On XXXX XXXX, 2017 I noticed that my credir report dropped a significant amount. This was due to an error that XXXX XXXX made. They erroneously reported that I was using between 12 and 29 % of my credit for the month of XX/XX/XXXX. On XXXX XXXX, 2017 Supervisor at XXXX XXXX XXXX stated she would message the XXXX reporting agencies, Equifax, XXXX and XXXX of the mistake. The mistake has not been corrected and needs to be corrected immediately as it has an impact on my va loan that is currently being processed. I have attached 2 screen shots of my credit report. The correct one and the one that took a hit uneccessarily. Please fix this error ASAP.
On XXXX XXXX, XXXX I had setup my 3rd payment to be taken out from my debit card linked to my checking account. Because of previous success payments using the same debit card I thought there would not be a problem. On Saturday, I received a call from Navient in regards to my payment and there was a problem. I tried returning the call on the same day but all I got was a audiomated system and not a live person. After numerous tries I tried calling Sunday XXXX XXXX, XXXX, but the answering system stated they were closed on Sunday. So first thing Monday- XXXX XXXX, XXXX I called from XXXX-until XXXX. I was transferred numerous times and given all sorts of numbers to call regarding my account. The service rep from Navient even transferred me to the default department. I spoke with a lady named XXXX. She advised me that she does not see any record of my account but it is showing a status of default. I asked her could I speak to someone regarding the issue of my payment not going through and why am I in default now. She explained she does not have my record but I am set up for reocurring payments going forward. Now I am totally confused and lost. So, I called back to speak with another rep.  This time the rep explained to me theres nothing she can do because I am not coming up in the system and she provided me another number to call. I then called that number and again was provided with no help and still I dont no whats going on with the payment that was suppose to be processed. This is very upsetting because no one wants to go into default on a private loan. 
When I first set up these payment arrangements I was tolded to make 3 payments on time and my account would be brought up to date. Now theres a problem processing my card, so Navient puts me in a default status. 
my previous payments are as followed : XXXX {$220.00} XXXX {$220.00} XXXX {$230.00} XXXX {$230.00} I have been making my payments and if I could not keep that payment arrangement I would call to move the date. This has happen to me once before and the reversed the default and I was put back into a reocurring payment status. Now I can even talk to anyone or get account information about what happen to the payment on XXXX/XXXX/XXXX. 
I have had this loan since XXXX/XXXX/XXXX It 's crazy how each Navient rep tells you something diffrent regarding your account ever time you call. All I want to do is resecure my payment from XXXX/XXXX/XXXX and move forward with reocurring payments. please help
I submitted a fraud report the the three credit bureaus, Experian, XXXX   and XXXX. 
There were several items on my credit report that does not belong to me. Most of the items were removed, but some have been added back to my credit reports. 
No written explanation was provided to me, prior to adding them back, which is a violation. 
The information is as follows : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX   XXXX
have had a debt that was suppose to come off of my report XXXX. account was opened in XXXX of XXXX according to a previous credit report, it showed when it would be removed. the reporting agency also said during the most recent dispute they updated my information based on a previous investigation.. All I ever did with this account was give them documentation to prove that I did not owe the debt. and all they did was adjust the amount owed to a couple XXXX less. upon reviewing the new credit report where it should have came off. they have now updated it to remain for another year and changed the dates for reported to XXXX which is clearly untrue by the documents i am providing. they also changed the date of status from XXXX to XXXX. once again I never made any payments to this account or updated any information other than to prove i did not owe. I currently have this debt taken off of my other credit reports because its passed the amount of time to be reported on.I included that credit report to show when they started reporting and when they opened the account for collections
My ex-wife opened an account under my name only, the company allowed her to open the account, and ran the debt up. Upon our divorce, the debt collection agency has refused to contact her about the debt and has resulted in a lawsuit against me.