WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted Lincoln Automotive Financial Services for a lease payoff on XXXX occasions. I was quoted a dollar amount. When the dealer called to confirm the payoff amount for my early lease termination, he was instructed to call the dealership I leased the vehicle from ( XXXX XXXX XXXX in XXXX ). The payoff amount quoted was {$1000.00} higher. I contacted the dealership and was told this was due to the early termination fee the dealership charges for terminating the lease early. I was not returning the vehicle to the dealership, it was being purchased by a new dealership. He could not substantiate what this fee included and when I complained, he agreed to lower the amount to {$500.00} ( which he stated was the early termination fee charged for customers who leased another Lincoln ). I reviewed my lease agreement and it does not state an early termination fee. There is only a warning that a substantial early termination charge may be incurred. I terminated the lease XXXX payments early. The individuals I spoke with at Lincoln Automotive Financial Services never informed me of this fee or the requirement to contact the dealer for the exact payoff. I believe this early termination fee is excessive and should be clearly stated on the Lease Agreement in order to be charged.
Excess payments are applied toward future payments and there is not a simple way to apply the payments toward principal reduction. I have contacted the lender as well as attempted to have the excess payments applied to no avail. The funds are currently held in " escrow '' and the loan is paid through XX/XX/XXXX which negates the purpose of what I am trying to accomplish. The lender told me that the excess funds would be applied toward the principal after a phone call but I found that was not the case.
Vehicle was paid off and refund due. Company refuse refund money for 21 working days even thought transaction have been complete, refuse to pay interest on money held doing this period.
Complaint about Navient. After finishing my PhD in XXXX, I entered repayment of my federal student loans this fall. Since I entered repayment, Navient has been unable to tell me how much my monthly payment are from month to month. Moreover, their online system changes the amount I owe day to day. It has also been incredibly difficult to sign up for autopay. Their customer service representatives are entirely uninformed. My payment is due on the XXXX of the month. Because the amount fluctuates on their online system, I have taken to log-ing in on the XXXX to see what I owe in the hopes that since it 's the due date, it will give me the correct amount. However, for the past several months, I have paid, on-time, the amount the system says I owe, only to receive an email the next day saying that I missed a portion of my payment. But if the system ca n't even tell me what I owe and how to pay it, then how can I miss a payment? I have spoke to a representative every single month. They tell me they have it sorted out and tell me what to do the following month. But when I do what they say, is still is n't right! I still have no idea what I owe and how to pay it! And when I pay what I think I owe, based on what their online system says, the next day I find out it was wrong and that the system says I have a past due amount and that I 'm a delinquent repayer!!!! I am just so frustrated. I am doing my best to pay my loans back on-time. I have a job, a good income, and a PhD. I can pay my monthly loan payment -- I just need to know what it is and know how to pay it on Navient 's terrible terrible website. If I ca n't sort it out, then I can only imagine that other folks are having an even harder time. Please do something about Navient. Before the restructuring of the student loan industry, I used to pay my loans to XXXX XXXX? In any case, the system they used then was more straightforward. I never had the problems I am having now -- which also includes an inability to change my repayment plan. It wo n't let me select the plan I want, but rather ushers me into specific options. Despite doing my absolute best to pay my loans on time, every month, Navient seems structurally organized to confuse and disorder the payback process. Either from ignorance or from willful dishonest practices, they have acted in ways that make me concerned about their ability to handle my federal student loan and that make me worried that they are intentionally trying to mess up my payments so that they appear late each month.
RELATED TO CASE XXXX DATED XX/XX/2015 WELLS FARGO BANK. WELLS FARGO BANK, SERVICER AND REPORTEDLY LENDER XXXX XXXX XXXX HAS FRADULENTLY SOLD HOME.USAGE OF FABRICATED DEEDS. I REQUESTED DOCUMENTS OF SALE AND WAS REFUSED. I AM REQUESTING DOCUMENT TO VERIFY SALE WITH PROOF OF PURCHASER AND TITLE FOR NEW OWNER TO VERIFY REGRISTERY.
To Whom It May Concern I ahve received a letter from Wells Fargo informing me that as of XX/XX/2019 : : The servicing of your mortgage is being transferred to XXXX XXXX XXXX XXXX without my conc ern, due process or input.I do not kow anything about this company and no information has been made available by the transferring entity, Wells Fargo Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia
My loan was with XXXX and then Green Tree purchased it from them. Ive had a loan mod. through Harp and have been thru bankruptcy. Since my BK Green Tree has harassed me calling me to see when i will be making my payment, even though Ive never been late since they took over. They are ruining my credit by not reporting my payments on my credit report it says derogatory and no payment history. I believe I am a excellent customer and they are a predatory lender with no scruples. I have worked hard to save my house and rebuild my credit but this means nothing to Green Tree Servicing!
I tried to dispute charges on my Citi Card with a company called XXXX   XXXX XXXX. The charges on 2 of my Citi Cards totaled over 8,800.., but I paid XXXX XXXX in total over {$16000.00} for services that were never provided. That is the reason for this dispute : I did not receive the product and services as was described to me. 

Around the time of XX/XX/2015, several different companies approached me when I was starting and trying to make a successful online business. 

In that period, I was taken advantage of and defrauded for thousands of dollars by these companies who allegedly and falsely promised me great earning potential. I was led to believe I would greatly benefit by signing up with XXXX XXXX XXXX to market my website. In total I have paid them thousands of dollars to create a website that is worthless and non- functional. Instead I have been left with severe debt because of their false promises. 
It has been brought to my attention that these companies are con artist and the FTC is investigating companies such as these. PLEASE HELP ME GET MY MONEY REFUNDED AND HELP PUT A STOP TO THIS.
SYNCHROINY BANK/CARECREDIT FAILED TO ACTIVATE XXXX INSURANCE ON THE ACCT THAT WOULD PAY THE ACCT IN FULL
XXXX I have never done business with FEDERAL ADJUSTMENT BUREAU COMPANY there is a account entry # XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt. I failed to see anywhere that FABCO is in compliance with 1319.12 ( O.R.C. ) Taking Assignment of Debt!
American Express charged 2 {$39.00} late fees for a {$75.00} dollar carried balance over 45 days. Spoke with XXXX XXXX who explained the company policy of charging {$39.00} late fee and {$39.00} for a carried balance or 2.09 % whichever is greater for balances which are greater than {$50.00}. This resulted in late fees greater than my balance which is unreasonable by any measure.
I had a Business Checking Account with Wells Fargo and they withdrew a service charge every month until the account had nothing left without my knowledge ...
This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting, regarding the entry being reported under XXXX XXXX! 

By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX substantiating their claims! Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Given  that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I will have no other choice to File a small Claims Lawsuit against you and XXXX XXXX XXXX! I have maintained careful records of your actions as well as XXXX XXXX XXXX! Im a victim of fraud and Im trying to get to the bottom of things and you have failed to provide me with help! 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

More specifically, I am referencing the fact that you are reporting an incorrect high balance, incorrect account number, incorrect name, an updated late pay, missing payment history of payments made before and after charge off, inaccurate date of last activity, an incorrect original credit limit, a late pay after account was closed, charge off listed as OPEN a collection account with a limit!

Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance.

As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company.

I will be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office
GM Financial somehow lost my {$300.00} payment that was sent to them in XX/XX/XXXX and/or XX/XX/XXXX. Their records indicate that I never made a payment ; I sent them my statement from that time period that confirms that they did indeed receive and process the payment for {$300.00}. I contacted them in XX/XX/XXXX to resolve this, and no one has done anything so far. Everytime I speak to someone over the phone or via email, I am told that management is looking into it. It has been almost 3 months. This needs to be handled ASAP. My loan had an original payoff date of XX/XX/XXXX, but now it shows that I owe {$1000.00} in late fees that never should have been there. I paid my bill on time every month. They need to locate this missing payment. It was taken out of my account and processed by them, and they refuse to acknowledge this. This loan is showing negative marks on my credit as well as a leftover balance of {$1000.00} due to GM Financial 's error.
I had XXXX in XX/XX/2013 from XXXX NY XXXX I paid a flat fee for the XXXX and was later billed an additional {$360.00}. At that time I complained about about the additional charges and the doctor 's office could not provide any explanation or information ... The doctor has poor ratings and I want to register a complaint against
Every time i have a mrchant credit to my account my financial institution keeps or withholds my money for to long.   Every night i check my checking account for my credits at  XXXX  (   XXXX   ) and the credits are not there, but then i check again the following day and the money that was suppost to be credited now shows the date of the day before, but as i mentioned at  XXXX   XXXX  no credits are there.   It seams to me the bank is playing with my money and as i recall this bank was caught committing fraud to it 's customers before.   Also they are slow reporting my balance to different companies like  XXXX .
I HAVE SENT   XXXX   XXXX   SEVERAL CERTIFIED LETTERS. THE LAST ONE I SENT WHICH WAS  XXXX / XXXX / 17  (  2  MOTHS AGO ) I SPECIFICALLY STATED TO PROVIDE ME WITH THE RECORDS AND DOCUMENTATION THEY USED TO VERIFY THE NEGATIVE AND BOGUS INFORMATION AS ACCURATE UNDER THE DISPUTE MADE WITH THE CREDIT BUREAUS. I ALSO WENT INTO THE BRANCH WHERE OBTAINED THE LOAN AND THEY DIDNT HAVE ANY RECORDS/STATEMENTS TO GIVE ME!!!! I NEEDED TO SEE MY CONTRACT FOR THE TERMS AND CONDITION, LENGTH OF THE LOAN ETC ALSO MY PAY HISTORY BUT OF COURSE NEITHER HEADQUARTERS OR BRANCH COULDNT PROVIDE ME ANYTHING BUT STILL REPORTING FALSE INFO TO THESE CREDIT BUREAUS WHICH IS HURTING ME MENTALLY, PHYISCALLY AND FINANCIALLY!!!   I HAVE ATTACHED THE CREDIT REPORT FROM EXPERIAN AND  XXXX .  XXXX   XXXX  STATED THAT MY REMAINING BALANCE IS {$710.00}. IF I PAID {$83.00} ON TIME FOR  XXXX  &  XXXX  THE BALANCE IS ABOUT {$660.00}. I NEED THIS ACCOUNT INVESTIGATED ALONG WITH MY CONTRACT, PAY HISTORY AND TERMS ASAP!!!! PLEASE DO NOT SEND ME ANY FALSE INFORMATION!!!   THIS IS THE LAST TIME I WILL BE ASKING TO HAVE THIS ACCOUNT REMOVE FROM ALL  XXXX  CREDIT BUREAUS. MY NEXT STEP IS SUING ACCORDING TO FCRA!!!!
I disputed XXXX debts XXXX with XXXX XXXX XXXX XXXX confirming that this third party collector has not record of this debt within their system, and with XXXX XXXX XXXX with Experian confirming that this debt was paid for on XX/XX/2016. They never resolved my disputes and I am requesting that you see to it they remove XXXX XXXX XXXX XXXX debt with all XXXX bureaus, and that XXXX XXXX XXXX with Experian reflects " paid '' with a " {$0.00} '' balance.
Hello, I had a car financed with JP Morgan Chase Bank NA for {$54000.00} since XX/XX/XXXX. Early XX/XX/XXXX I requested a payoff from Chase for the remaining balance of my car ( {$20000.00} ). The car was paid off XX/XX/XXXX. The following week I received a lien satisfaction letter from Chase ( attached ). On XX/XX/XXXX Chase calls me on my phone and request for me to send the lien satisfaction letter back and notified me the account has been reopened due to Bank error. Chase states that the payoff was not enough to cover the remaining balance ( {$4600.00} ). They scheduled a regular payment for XX/XX/XXXX of {$1000.00}. For a loan that has been paid off. The mistake of the bank is put on my shoulders.
XXXX XXXX XXXX  Reported to the credit bureau Equifax that my account was closed and deleted from my credit report Equifax will not update credit report even after sinning documentation that it is paid and should be deleted
On or aboutXX/XX/XXXX through Experian 's website I asked that a Bankruptcy be removed from my credit report as being inaccurate. On or about XX/XX/ Experian responded claiming that they had verified the Bankruptcy as being accurate. I am informed and believe that were unlawfully simply relying on information previously obtained from a vendor XXXX. On XX/XX/XXXX I contacted the Clerk of the US Bankruptcy Court and was informed that they do not validate the Social Security Number and Date of Birth of people who have filed Bankruptcy to Experian or anyone else. On XX/XX/XXXX I sent an appeal  pursuant to the FCRA and FTC to Experian via USPS Priority Mail Tacking Number # XXXX XXXX XXXX XXXX XXXX XXXX. Said letter was received by Experian on XX/XX/XXXX. In the letter I explained that the Clerk of Court had never been contacted to validate the Bankruptcy, and I asked for the person, date, time, and phone used at the Bankruptcy Court to validate the inaccurate Bankruptcy listed on my Experian Credit Report. OnXX/XX/XXXX I contacted Experian customer service at approximately XXXX and was told by the customer service representative ( CSR ) that they had no record yet of receiving my appeal and it really did not matter as I had the complete burden of showing that the Bankruptcy was inaccurate. I complete shifting of the burdens under the FCRA. When I got off the phone with the CSR I XXXX information about any lawsuits that Experian was involved in over this same issue. There have been others including class action lawsuits and fines from the FTC for the same behavior. Thus, I was surprised that Experian still feels that it is financially advantageous to continue their unlawful practices and not probably trian their CSRs. I need your help in prompting Experian to act lawfully as my XXXX would make it difficult for me to file a lawsuit, and I simply want the matter resolved
According to Equifax ( https : //www.equifaxsecurity2017.com ), substantial amounts of personal information was leaked, including names, Social Security numbers, birth dates, addresses, drivers license numbers, and credit card numbers. Furthermore, Equifax claims that the hack occurred somewhere in XX/XX/XXXX through XX/XX/XXXX, but failed to inform consumers until early XXXX. The irresponsible handling of this information is criminally negligent and will certainly lead to widespread fraudulent activity. Equifax is a company that has massive amounts of my very sensitive information, which I never provided to the company. They must be more proactive about security or face consequences. 

Furthermore, the remedial offer to provide free credit monitoring is a total scam. Others have shown that random, nonsense inputs can cause the " Potential Impact '' form ( https : //www.equifaxsecurity2017.com/potential-impact/ ) to tell consumers that their information may have been compromised. Signing up for this service also limits a consumers ability to seek legal reparations for this leak. Finally, Equifax is highly disingenuous with the signup procedure, as clicking " Enroll '' provides the user with a " Signup Date ''. The user must then return to the site on the prescribed date in order to complete registration, while receiving no reminders or other direction to do so. There is absolutely no reason Equifax should be allowed to be so intentionally circuitous in remediating this disaster.
Someone other than myself has created XXXX CFPB complaints under my account on XX/XX/2016, complaints numbers XXXX, XXXX, XXXX, and XXXX. There have also been comsumer responses provided indicating the company response is not disputed for which I did not provide as all of the company provided written responses to my CFPB complaints have misrepresented documents, account activity, and even omitted material facts related to the true status of my account during the modification process. I always DISPUTE the company response for these very reasons and I will continue to dispute the company responses so long as the company continues to lie and misrepresent the facts. 
Just to be clear, while the XX/XX/2016 CFPB complaints are represented as submitted by me, they are not and I have not authorized anyone to create or respond to any company response relating to any of my CFPB complaints. Specifically, I have never responded to the company response indicating not in dispute. So, the CFPB complaints between XX/XX/2016 throught XX/XX/2016 are disputed by me and what is showing on my CFPB account is incorrect. 
Furthermore, I simply stopped taking the time to indicate I dispute the company provided written response as it did not address the concerns within the complaint and often referred to a previously provided nonresponse response. Even so, it should be understood I continue to dispute the company provided written response to the extent it does not resolve my concerns stated within the complaints. 
An update and correction for the CFPB complaints between XX/XX/2016 through XX/XX/2016 is in order indicating customer disputes the company response. All other previously mentioned resolutions are desired and mandatory.
I am not sure ; but they took the loan payback out of n my paycheck, back in 2012, they have been harassing me ever since for money. It 's insane!
TransUnion has me listed at a previous address in XXXX, Maryland. I have never lived in XXXX, Md. 

This need to be corrected. TransUnion consistently continues to get things WRONG ... very WRONG!!! 

I need this corrected and an explanation why incorrect entries continue to show up on my credit report and score.
Ocwen called us about our Mortgage, said we were behind, we were NOT in fact we had paid over what we owed. We pulled bank records etc to proved where we paid and asked where it had gone, no response. Next I know we are getting letters stating our home is going in forclosure and going to be offered on a sheriffs sale unless we take this Modification they are offering. after going back in forth with them for weeks, months we were forced into taking this modifaction just to keep our house, then find out after we sign it the added a balloon to the loan and has hurt our credit. I was at an  XXXX   credit score  now I am at a  XXXX . Oh also our payments went up, not down, however I cant find another company to take over the loan as they have hurt our credit, added all these fees etc to the loan resulting in thousands of dollars, what does one do? please let me know what we do at this point.
I transferred funds to my savings because Wellsfargo has a stopped payment to discover card on my checkings. So I moved 2 seperate amounts on Saturday, {$170.00} & {$1.00} to my savings for my bill payment of {$160.00}, the account had already been negative {$4.00} for a account fee of {$5.00}. I was told because it posted on monday then they hit me with an overdraft fee. Called them up and they could only offer me {$8.00} in credit out of the {$35.00} overdraft fee even though on Sunday the account balance was XXXX. XXXX took {$160.00} on monday, they claim overdraft services was used. Even though the money was already there. Customer service had apologized and said that 's all the bank was willing to offer.
I opened a CitiGold account with Citibank. I signed up with a promotion that gave XXXX XXXX for meeting certain requirements on said account. After I had met the requirements, I sent a message to citibank through my online banking and they confirmed that the offer was attached to my account and that I had met the requirements to get the bonus and that my bonus points would post in a certain time frame. Screenshot is attached. I messaged Citibank again to see why my points had still not posted and I am being told now that I was not targeted for this offer while the opposite has been confirmed many times over chat and secure message. Screenshot of new message is also attached.
I received a closing statement from a Mortgage Bank in Puerto Rico called Preferred Mortgage. I am one of the heirs and was not part of the transaction or the negotiation of terms and conditions. The statement states that the closing already happened and it is my believe that the closing costs are inflated. In the statement it states that the seller will pay for all closing costs and I was not part of this decision.