WillisBack/dataset-financial-user-claim huggingface dataset:
My XXXX lease ended in XX/XX/XXXX or XX/XX/XXXX. I turned the car in a few days before the end of lease as I was leaving on vacation and had chosen the next car to lease. I have leased many XXXX ; this may have been my fifth or seventh lease. I have never been charged for excess wear and tear. Again this XX/XX/XXXX, I was told that XXXX XXXX had looked over the car and was willing to accept it with no additional charges due to the careful way I keep " my cars. '' I had had scratches and small dents repaired twice during the time I leased it and also purchased new tires in the fall of XX/XX/XXXX before taking a trip. Returning the leased car has never been a problem ; I have simply returned it to XXXX or the predecessor owner of the XXXX, WI., XXXX dealership. I believe I was told that XXXX would ( probably? ) be purchasing the car I was turning in and they knew the condition of the car in response to my telling them I had received a letter or call stating I needed to have the car evaluated by the bank ... so I could ignore that call. <P/>But then I began receiving letters from USBank starting that I owed them {$1500.00}. This came after I had turned the car into XXXX XXXX. They listed small scratches ; it appears they expect me to turn in a car that is completely untouched after a three year lease. <P/>I have talked with the sales person and the sales manager at XXXX XXXX in XXXX, WI., and they have said XXXX would deal with it. But I have had difficulty reaching those people again/or getting them to return telephone calls. I have given them weeks in between calls to have some information to give me. I have no reason to believe they have done anything regarding this problem.
I had a promotional balance that was to expire on XXXX/XXXX/XXXX. In XXXX of XXXX I asked that payment beyond the minimum payment due on the entire account be applied to the promotional balance as I was not aware that you have to ask them to do this. They began to deduct the excess over the minimum payment from the promo balance. On XXXX/XXXX/XXXX I had a remaining balance on the promotion of {$99.00} and a minimum payment due of {$67.00}. I paid them {$170.00} on this date. I also made an additional payment of {$100.00} on XXXX/XXXX/XXXX to pay down my overall balance. I went to do my year end financial review and found that they had charged me {$240.00} for interest on XXXX/XXXX/XXXX even though my normal interest amount is around {$40.00}. When I called them they told me that they took part of my payment for the promo and applied it to my general balance. I stated I have the letter that indicates that 100 % of the excess payment goes to the and was told that the letters were not accurate that they send out. They did say they would immediately take the XXXX charge off my bill but this has not happened yet. This is total fraud in my opinion.
Three things 1 ) they debited my checking account after issuing a cancellation for the payment. 
2 ) they offered to return the payment in 7-10 days which is unacceptable. 
3 ) they never returned the payment. as of 30 days later. 

also it is their practice to debit your account for autopayment even if you have already made the minimum due OR you have paid your balance in full unless you disable autopay. I think if you make the minimum due and your autopay is set for minimum due they should not debit your checking account for the minimum due. 

1 ) I set up a payment online for {$400.00} on XXXX to draft my checking account. As soon as I set up the payment I noticed it was for the wrong account ( within one minute ). I cancelled the payment and received a confirmation.After I received the confirmation, I set up a payment for {$400.00} on the correct account. Both debits posted to my two checking accounts the next day. The one I had cancelled caused an overdraft and a fee on my checking account. I called capital one and after 30 minutes they said it would take 7-10 days to reverse the item. I said that was not acceptable as they could reverse the item in 1 day if they wanted to. They never reversed the item. Also, the following month, my autopay did not work and I was charged a {$25.00} late fee.Customer service said they would issue a credit and look into the {$400.00} payment. I paid the minimum due of {$44.00} but they said autopay would still charge me {$110.00} even if I paid my balance in full resulting in a negative balance on my credit card. The customer service rep said its so people can pay their credit cards off sooner. I could disable autopay if I like.
On   XXXX  , my mother,  XXXX   XXXX , was approved for a loan with  OneMain Financia  XXXX . The amount of the loan was approximately {$15000.00}. My mother was  XXXX   XXXX   XXXX  at the time of application and was advised the use her vehicle to secure the loan. This was done even though at the time she was not eligible for credit life insurance due to the lender 's choice of insurance provider. My mother passed away on  XXXX  with no assets other than her vehicle. My family and I needed to find a buyer for the vehicle to cover funeral expenses as my mother was on a fixed income.     The title is encumbered by a lien from the lender. I have had  XXXX  of Attorney on my mother 's banking matters since   XXXX   due to physical and mental health issues. We asked the lender why she was not offered insurance and were advised that they do not cover borrowers  XXXX  and over, which itself seems to be a discriminatory practice. The vehicle is only worth {$5500.00} per  XXXX   XXXX   XXXX  value.     I have attempted to discuss the issue with the  XXXX  office who suggested repossession even though my family and I have not yet had time to discuss what to do with this account or the vehicle and the account is not delinquent.     This appears to be an issue of predatory lending and exploitation of an elderly and vulnerable adult. We would like to ask you assistance in requesting the lender to release the lien on the vehicle so that our buyer  XXXX  purchase the car allowing us to cover the needed funeral expenses.
Had a XXXX mortgage with XXXX Mortgage and had a XXXX with HFC/HSBC. Did a consolidation of the XXXX and XXXX in XXXX with XXXX which turned out to be a fraud predatory lenders loan. Even though this loan almost put me and my wife into bankruptcy in XXXX XXXX, and XXXX file foreclosure in XXXX XXXX. On XXXX XXXX me and my wife send XXXX XXXX XXXX a letter in pursuant to Section 6 of the RESPA. 
Demand was made for all records electronic or otherwise, assignment of ours mortgage, promissory note or servicing rights to our mortgage including any such assignment on MERS. 
All deeds in lieu, modification to our mortgage, promissory note or deed of trust from the inception of our loan to the present date. 
The front and back of each and every canceled check, money order, draft, debit or credit notice issued to any servicer of this account for payment of any monthly payment other payment escrow charge fee or expense on this account.H XXXX did not send us the proper answers back for our request. 
Me and my wife chose to go through the state of XXXX foreclosure mediation program in XXXX XXXX and out of the mediation XXXX agreed to do a short pay off of the mortgage to us for a {$150.00}, XXXX out of the {$330000.00} that we owed with no deficiency. XXXX refused to refinance the loan and Our credit was ruin because of the foreclosure procedures that we had went through. On XXXX XXXX, XXXX we received a recorded release of deed are canceled mortgage from the documents released administrator in referenced to about loan # XXXXhas been paid in full through our company. XXXX XXXX Mortgage. Also enclosed in the papers was a Substitution of Trustee and Deed of XXXX. This was recorded in the XXXX County Courthouse recorders office given XXXX XXXX XXXX and XXXX XXXX XXXX husband and wife as joint tenants with Right of Survivorship. 
( Inst # XXXX ) We also have the original Deed of trust ( security instrument ) Have not made mortgage payment since XXXX XXXX XXXX have sold the loan to caliber home loans in XXXX XXXX. 
Have a recorded document XXXX County from caliber home loans notice of breach in default and election to sale inst # XXXX.
On XX/XX/2013 XXXX XXXX  XXXX CT-XXXX appeared on my credit report. I am disputing this item.Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 )  ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
I had an insurance claim at my house about 2 months ago. The insurance check was made payable to the bank because I had a mortgage on my house. The job is complete and the bank has not released the money so I can pay the workers who repaired my house. They say it was being sent, but then there was a " batch error '' so they had to stop payment on it, but it should go out tomorrow. I wait two days and still no check, so I call back. This time it had n't been sent because the stop payment had not cleared, I would think that if the bank made a mistake, they should be able to fix it. Please find out why they are keeping my money. My name is XXXX XXXX, the bank is PNC, my claim number is XXXX. I have been dealing with XXXX XXXX with the PNC branch in XXXX, NC. My address is XXXX XXXX XXXX. XXXX, NC XXXX. My phone number is XXXX. Thank youXXXX XXXX
Over the past few months, Chase Bank has been in the practice of charging me insufficient funds fee over charges to my debit card and selected ACH transactions. At most times, the fees charged are over the amount disbursed by Chase Bank. I requested for a way out of the incessant charges and I was advised to choose the option that the bank would not honor any charge to my account if there are no sufficient funds to cover the transaction. This option was chosen between XXXX and XXXX 2015. ( Ca n't remember the specifics ) On the XXXX XXXX 2015, I saw XXXX charges of {$34.00} each for XXXX transactions of {$10.00} and {$6.00} each. I called the bank to have them reverse the charges on the basis that:1. I have chosen the option they offered to me not have any charge honored if there is no sufficient funds to cover it. 
2. As at the time I made those transactions, my account was in credit. 
I contacted the bank and they declined to reverse the charges, instead they went ahead to add another {$15.00} charge as extended overdraft fee. 
.
Hello, Near the end of 2011, I fell behind on my mortgage payments because I separated from my husband and finances changed drastically. I immediately applied for a loan modification. I followed through, faxed the application and all necessary documents to One West. Kept in touch with them to make sure they had received them. But every time, there was something missing, or they did n't receive my documents, or the documents had expired because so much time had passed since the first time I had sent the first documents. I felt they were playing me because I knew they had received them. They waited for all that time to go to then tell me, my documents had expired. I have read many similar stories from other homeowners and this bank. I did everything they asked me to and they still took my home, our home. My children and I were devastated whenever they would post our door and finally when they took it from us. This bank had no intention in giving me a modification. We had more than enough time to get it done before the sheriff sale. Finally, just two weeks before the sale, they told me I qualified for the modification but it was too late because the sale date was too close. I could n't believe what I was hearing. This bank has to be punished for what they have been doing to homeowners. It is not like I ignored their phone calls or abandoned my home. I need to help and want to be compensated for my loss. They wanted to take my home because the way they would gain nothing by letting me keep. On the contrary, they would get paid from the FDIC because of the deal they had struck with them. 
The address of the house the took from me is XXXX XXXX XXXX, XXXX, PA XXXX. 
BorrowersXXXX XXXX XXXX XXXX and XXXX XXXX. 
I would appreciate if this agency does something those heartless people who only care about their pockets. I had no money to go to an attorney, otherwise, I would 've fought them till the end. 

Yours truly, XXXX XXXX
I have a few issues with the investigation that Equifax did. I sent them a letter stating some errors I saw on my credit report and their response was completely unacceptable. All throughout the letter they state, " We have verified this account as yours or belongs to you. '' never, in any part of my letter to them did I state that the mentioned accounts were not mine. Not only did I point out the errors but I made it clear that I was not disputing that the accounts were mine, only the missing information, and issues with the payment history. I do n't think that Equifax read my complaint at all! I ca n't believe that they would send me such a horrible response, I am genuinely concerned about my credit report and what is being reported on it and it is Equifax responsibility to make sure it is correct. I am demanding these be fixed and my complaint to be read by a real life, breathing, thinking human being so that my voice is heard.
I called Citi Cards customer service on two separate occasions ( on XX/XX/XXXX and XX/XX/XXXX ) to dispute and resolve the issue of why my 10 year credit history with their Citi XXXX Card was no longer being reported to XXXX, XXXX, and XXXX credit reporting agencies. My Citi XXXX Card was opened on XX/XX/XXXX. This issue has significantly effected my credit score in a negative way. Following my second conversation with Citi Cards customer service department, I faxed and mailed a dispute letter to the Citi Credit Bureau Dispute Team as instructed by the customer service representative. I also mailed and faxed a copy of two XXXX credit reports, and an XXXX credit report to prove that my Citi Card credit history was once reporting to XXXX, XXXX, and XXXX credit reporting agencies but it's not now.
I applied for a cash reward credit card from Bank of America with the help of their staff XXXX XXXX in XXXX XXXX ( XXXX XXXX XXXX XXXX MA XXXX ) in XXXX, XXXX. When I applied this card, the staff told me I can get {$200.00} cash rewards bonus after making at least {$500.00} in purchases in the first 90 days of account opening. One of my friend who recommended this card to me also told me I can get the cash rewards. And that's the reason why I applied for this card. 

However, after three months and I have spent more than XXXX dollars by this card, I still didn't get the cash rewards. And today I went to the bank counter to ask why I didn't get it, they admitted that I didn't make any mistakes and they don't know what happened and said they will help me to call the head office to applied the cash rewards for me. But when I got back home, I received their email said I can not get the cash rewards because the offer only for online applications. 

This reason is totally unacceptable because : First, there are a lot of advertisements which says sentences like " apply credit card now and get XXXX dollars, just talk with our staff '', some of them are even in XXXX. Second, my friends who applied this card earlier or in the same time with me with the help of other staffs in XXXX XXXX Bank of America have all got the cash rewards, they can be proofs to me. Third, when I applied this card, no one told me I should applied it online. And actually, I have confirmed to staffs in Bank of America for 5 times from XXXX to XXXX to make sure whether I can get the cash rewards, and each time I got the answer is " Yes, no problem, just wait, be patient! ". The reason why I confirmed so many times is that I found all my friends whether they applied this card earlier or later than me, and even spent less money by this card than me, they all got the cash rewards except me. But until today they told me I can not get the cash rewards because of a ridiculous reason. 

All in all, I think Bank of America should be responsible for what happened to me and must compensate me for the loss ( 200 cash rewards ). What they did is totally commercial fraud and is terribly unfair to me. I am deeply disappointed by what they have done.
I received an overdue bill from Citi/Costco today, XXXX XXXX, 2017 via USPS. Statement says my account is 3 months past due and that I owe {$150.00}. A few days ago I received an automated phone call saying I owed the same amount and asking me to provide payment information over the phone. I thought that was a scam call and provided no information. I have, however, never requested or received a Citi credit card. Recently Costco changed its sponsored credit card from XXXX XXXX to Citi. I used to have an XXXX card, connected with Costco, but I had not used it in quite a while. I received notices saying Citi was the new sponsored  card for Costco, but I never responded to ask for a card because I no longer shop at Costco. 
The company says my account is three months past due, but this is the first bill I 've received from  them. And I repeat, I 've never received a credit card from Citi! After I read the statement I received today, I called the phone numbers on the bill : Customer Service - XXXX, and also XXXX. The message and options provided at both numbers were the same ( except for a slight change in the instructions for getting a XXXX-language message ). There were three options offered, all geared toward making a payment. I could also choose to repeat the options. There was no option to speak with a human being about the account. So I went online to citicards.com ( I believe that 's how I got to their site. ) Under " Contact Us '' were listed several phone numbers, including " Consumer : XXXX '' and " Lost/Stolen : XXXX. '' At the XXXX number, I received the exact same message I had heard earlier -- again, no chance to speak with a human. So I figured perhaps someone else had received the card that Citi claims to have sent me, and they were using it, so I called the " Lost/Stolen '' number, and heard the exact same message, starting with, " This is an attempt to collect a debt. '' (! ) No option to speak with a human, on the lost/stolen card line -- that was curious. So -- I see no way to contact Citi/Costco about this alleged overdue account, the card for which I have never received. I 'd like to speak with a Citi representative to clear up this matter. They claim I owe them {$150.00}, but I do not owe them anything. They owe me for my spending well over an hour ( so far ) trying to correct their error.
I am requesting that XXXX XXXX XXXX XXXX remove a hard inquiry from my XXXX   credit report. Please review the documentation that supports my claim that my credit being run by XXXX XXXX XXXX XXXX ( XXXX XXXX AKA XXXX XXXX XXXX XXXX ) was unauthorized. Ive attached a copy of the pre-approval letter from my credit union,  XXXX XXXX XXXX ( who currently finances my vehicle ), as well as a letter from XXXX XXXX XXXX admitting my credit was ran in error. There was no reason for XXXX XXXX XXXX XXXX ( XXXX XXXX AKA XXXX XXXX XXXX XXXX ) to run my credit due to having already secured financing through my own credit union. 

I am requesting that XXXX XXXX XXXX Property ( XXXX XXXX AKA XXXX XXXX XXXX XXXX ) remove the hard credit inquiry from my XXXX  credit report. 

I will pursue legal action, if necessary, to request the inquiry be removed from my credit report.
My name is XXXX XXXX. I took out a loan from Springleaf in XXXX, IL with good intentions to pay it back, but with an extended stay in the hospital ( 1 month ) I am now in a financial hardship so I am now having a company help me with all my debts ( National Debt Relief ) I got a packet from this company who is helping me and inside this packet is a letter that I can give to all my creditors to stop calling. I signed this letter and mailed it to Springleaf in XXXX, IL on XXXX XXXX, 2015 certified so I know they have it as it was signed for. Since XXXX XXXX, 2015 till today XXXX XXXX, 2015 I have received 31 calls. I have an attorney through XXXX XXXX XXXX but I wanted you to know as well about this company and what its doing. I have ask numerous times to please stop calling me after I wrote the letter but they have verbally threaten me with law suits or cursing me or even insulting me verbally. I really want this to stop!! Thank you so very much
I called Bank of America to cancel XXXX ( XXXX ) credit cards with XXXX balances and I was continuously transferred for 20+ minutes before someone actually canceled my cards. They try to transfer costumers over and over again in hopes that they hang up. I 'm 99 % sure that Bank of America might be the worst organization in the world.
I am shocked of the w ay Ditech keeps prolonging my case and scheduling new sale dates. I was denied previously because Ditech stated there were liens in my tittle. However I fax Ditech o n  XXXX / XXXX / XXXX  prove so they can reevaluate my loan and approve my Deed in  Lieu. I fi le bankruptcy on  XXXX   XXXX ,  XXXX . Stating all liens were cleared and satisfie d. Ditech is  refusing to provided me prove of the liens that are showing on my tittle. I am tired  Ditech is just taking advantage of me because I am an elderly man. Please help me I h ave an active sale date for  XXXX   XXXX ,  XXXX .
Under the Derogatory Account section of my Credit Report appears XXXX ( XXXX ) for {$1300.00}. I have no idea what this is and it has negatively affected my credit score and ability to obtain a car loan. I have only XXXX credit card a Visa.
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT ( XXXX XXXX ) DUE TO IDTHEFT APPEARED ON MY TRANSUNION CREDIT REPORT. WERE DISPUTED TRANSUNION DID NOT REVOVE OR DELETED. THAT IS A SERIOUS VIOLATION.
In 2013, I disputed with Equifax Account XXXX XXXX with Equifax based on a plethora of inaccuracies. As expected, the item was deleted from my credit report. However, recently I have noted that Equifax has re-inserted this previously deleted item. As well, Equifax failed to provide timely notice to me of this action taken as required by the FCRA 611 ( 5 ) ( B ) ( ii ). Attached is the dispute results from 2013 which indicate the item was previously deleted.
Trying to avoid foreclosure-Servicing rights transfered to Green Tree LLC byXXXX Bank. Not eligible for Harp or Hamp I am told- What would really help is '' Mortgage Debt Reduction '' with new 40 year terms and 2 % interest which couldmake modification payments reasonable and manageable.
On XX/XX/XXXX, I sent an investigation request to Equifax. They are supposed to respond with the results within 30 days, but they have not. I sent similar requests to XXXX  and XXXX XXXX, and they have already responded with the results weeks ago.
Calvary Portfolio Servic is trying to say i owe a debt to them of {$4300.00}. When asked could they provide me method of verification and other documents to prove that i signed a contract with them, they didn't have any of this on file. there is no contract signed by me showing i accepted responsibilty for a debt.