WillisBack/dataset-financial-user-claim huggingface dataset:
Leased a vehicle from Ally Financial. They are showing a balance of {$550.00} for excess wear on a wheel. This balance has been reported to the Credit Bureaus. Per the literature Ally sent to us regarding end of lease procedures/policies, excess wear constitutes broken, mismatched, bent or cracked wheel. 
Per the inspection report completed by Ally Financial, dated XX/XX/17, none of the above conditions are noted. We were an A paper loan for Ally and have excellent credit rating. During the course of our 4-year lease, there was never a late or missed payment. 
Again, based Ally Financials literature, the damage does not warrant a charge. Furthermore, this wheel can be purchased new for {$200.00}, not {$500.00} plus.
I repay my federal student loans under the REPAYE income-driven repayment plan. On  XXXX   XXXX ,    2017,  I submitted my annual income documentation to FedLoan Servicing to recalculate the REPAYE amount. As my family 's current income differed significantly from our most recent federal tax return, I used  XXXX  recent paychecks as documentation.     On  XXXX   XXXX , I received notification that my monthly repayment amount had been calculated. However, the amount was too high. Going back to the calculations, I noticed that the number calculated b y FedLoan wa s exactly what I would get if I ignored all pre-tax deductions from my paycheck.     I emailed FedLoan twice but received no response. I called them on  XXXX   XXXX , and was told that they would look into the matter within  10 bus iness days. I called back on  XXXX   XXXX  and was told to wait one more week. Finally, when I called on  XXXX   XXXX , I was told for the first time that it is FedLoan 's policy to ignore pre-tax deductions from paycheck income documentation if they ca n't tell exactly what the deduction is from the description on the check.     I was informed that I could submit a letter on company letterhead from my employer and request   expedited review. I did so and FedLoan adjusted the next monthly payment to the correct amount.
While this incident has been resolved for me, I have several concerns : 1. It took a month and a half and five inquiries before I was given the information necessary to resolve the concern. I doubt many borr  owers are this persistent.      2. I imagine most borrowers do not take the time to sort out payroll deductions, research the federal poverty guidelines, and do the calculations necessary to confirm that the servicer is billing the correct a mount. I worry that many borrowers who submit paycheck income documentation are being overbilled if pre-tax deductions are ignored.      3. Nowhere on FedLoan 's website ( that I can find ) is there any i ndication that an employer letter is needed to document pre-tax deductions. Nor is it in the federal income-driven repayment plan instructions. A much better arrangement would be for the servicer to contact the borrower if there are any deductions that they do not understand, so that the borrower has an opportunity to provide additional documentation.
I closed my Ink credit card account over the phone with chase. They notified me that my points would expire 30 days after I cancelled the card, unless I transferred them to my other account. So I had them transfer them to my Chase Freedom account and then close the Ink account. A few months later I went to redeem my points and they are all gone. I contacted chase to see why they weren't in my account, and they said they didn't get transferred to my other account and that they won't reimburse me for their mistake.
My Bank of America Credit Card statement balance was paid in full before the due date, and I was still charged a fee listed as a minimum interest charge. I called customer service and explained that the statement clearly showed that my previous balance minus my payments & other credits added up to zero, just like the previous month when no interest fee was charged. But, the customer service representative told me it was Bank of America 's policy to still charge me a minimum interest charge regardless, and emphatically stated that this policy was not going to change. I believe this is a misleading and deceptive practice by Bank of America, that is in clear violation of my credit card agreement, and should be illegal.
Between XX/XX/XXXX and XX/XX/XXXX, a HARD inquiry made by CREDCO was added to my credit report. This is a bank and I did not authorize this! 

Please help
I lost my job and went 3 months without pay. I still paid until money ran out. I told manager twice about my situation. He agreed for me to pay what I can when I get paid. So I paid at times I had the money. It may have been {$50.00} or {$100.00} but I have been paying them. I am behind on the loan and I know and understand this but I am paying when I am able and they are accepting the money. They continuously call my parents home phone which I and they have asked repeadily to stop because I do not live there and they have nothing to do with the loan. They even have my new address in which they have sent mail to me. They call me continuously telling me they can no longer accept the {$50.00} payments that I must bring the loan up to date. This ridicious because I have lost a job and started another that the income is less than half of what my job was at the time of the loan. I pay what I can which is more than paying nothing but yet I am still threatened and my phone is constantly ringing from these people which is nothing but harrassment. I want them to stop call me and stop calling my parents home and not to call my job.
I was told that I have this XXXX XXXX debt that I did not obtain. I filed a fraud claim with XXXX XXXX back in 2014 and was told that they do not have any substantial information to say it was mine. I do n't understand why I am still getting harassed to pay a debt that I have already filed a fraud claim for and was told they did not have a signature or anything on file. So I need for the XXXX major credit bureaus to permanently take this off my account and I need these debt collectors to understand that this was fraud and my personal information was used. They are selling each other debts that is useless and fraudulent.
3 Accounts what the? 

1st Account = XXXX XX/XX/XXXX Amount XXXX 2nd Account = XXXX XX/XX/XXXX Amount XXXX 3rd Account = XXXX XX/XX/XXXX Amount XXXX These are accounts that I have no knowledge of and would never pay a collection agency money. I would go to the original creditor if this account was mine.
In XXXX, 2015, I opened a new credit card account at Macy 's Dept Store. The purpose was to take advantage of attractive savings and discounts that I could use immediately upon signup. The account quickly deteriorated into a matter of Macy 's demanding payment for balances I had paid and, therefore. did not owe. The situation is made worse by the collection agency continuing to assign new penalties and interest. 

Payment was remitted for the balance on the first statement I received from Macy 's, and credit was properly given to my account. Payments for the balances on the second and third statements, however, were not credited and penalties and interest are accruing on the balance that they say I still owe. I have tried to contact them via the phone number they referred but the persons I talk to are unable to help ; apparently all they are able to do is arrange payment. They would tell me only that they live " off shore '' and that they do not have access to files other than the statements ( which I have already received! ). They recommended that I put my case in writing and mail it to an address in XXXX, Ohio, but, when I did, they responded by asking for a payment for the latest statement amount. 

There are XXXX dynamics that are worth mentioning here : 1. I pay by check in order to avoid the confusion that is at play here but, as you know, banks are able now to destroy my check and transform the payment into an electronic transaction. The receipt of payment that my bank receives from the factor is a " bank trace '' giving what is hypothetically the essential information for identifying a payment. There is no paid, or " cancelled '' check returned to my bank. 
2. The Macy 's credit card is issued by Citibank ( aka : Citigroup, Citicorp, etc. ). Citibank immediately sends the receivables to its factor Department Stores National Bank. 
Because of my inability to converse with a person who can research thoroughly my account, I am " incommunicado '' with DSNB. Meanwhile I am being bombarded with robocalls several times a day ( except XXXX and XXXX ; one must have a weekend break, you know? ) requesting that I call a certain toll-free number and arrange payment. 

May I please have your assistance in having this matter straightened out? I will be willing to have this published because, as I understand from chat rooms and social media, Bloomingdales and other stores use XXXX as a factor/collection agency and my experience can be used as a caution toward anyone who opens up a credit card like this.
On XX/XX/XXXX I submitted an online request to inquire about the steps to have my Private Mortgage Insurance removed prior to the originally scheduled amortization date. I received a letter from the mortgage servicer dated XX/XX/XXXX stating that I needed to have an appraisal performed on my residential property in order for mortgagee requested PMI cancellation to be approved. The letter stated that since my loan originated less than 5yrs ago and was open for at least 2yrs, the appraisal would need to show a value for which my current loan to value amount would equal 75 %. The notice also stated that I would receive notice of cancellation or non-cancellation within 30 days after the appraisal and other evidence requirements were met. I submitted the funds for the appraisal and the servicer requested the appraisal. The appraisal was performed on XX/XX/XXXX. I received a copy of the appraisal on XX/XX/XXXX via UPS but without any documentation from the servicer. After waiting a couple additional days to see if the original request would be approved I contacted the servicer and was told that the cancellation request was not approved. When asked why, I was told the LTV ratio based on the appraisal value did not meet the required 75 % threshold. In the couple days prior to this call, I made a principal only payment which brought my loan to value ratio below the required threshold of the appraisal value. The payment was effective XX/XX/XXXX the same day the determination of non-cancellation was dated but never mailed or received until my phone conversation onXX/XX/XXXX. The agent provided a confirmation of mailing for the notice of non-cancellation, however that package only included a copy of the appraisal and no documentation from the servicer regarding the cancellation status. 
Based on the steps required by the servicer and the resulting value and LTV ratios I asked the representative onXX/XX/XXXX to please reevaluate the decision that was made on the same determination date as the payment was effective since the actual LTV was less than 75 % on that day. She told me the PMI department does not receive or perform any phone calls, but that she would forward my request to them and that they would respond within the required 30 days (XX/XX/XXXX ). She said there was no tracking number, but that they would respond. I then called back 2 weeks later to the only customer service number available and spoke with an agent who provided me a ( surprise ) tracking number and said that I would still be contacted byXX/XX/XXXX. Now that XX/XX/XXXX has come and gone without any response, and seeing that the servicer has made it impossible to speak directly with any representatives in the PMI department or the get a response from a dedicated person that can make a decision, I am reaching out to the CFPB for assistance. The customer service phone line has been busy for at least 2 days that I have attempted to contact about my request.
I have a credit freeze in place but Experian provided XXXX XXXX XXXX access to and a copy of my report.
I was alarmed once I reviewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2013, XX/XX/2013 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.
We are Harris and Harris and we are debt collectors. Please call us at this number. 

Receive these robocalls frequently. 

I do not owe any debt to anyone.
I sold my XXXX dollar truck because I wanted to get a cheaper commuter. So I asked XXXX XXXX XXXX XXXX for a loan and they are the ones who made as aware of this delinquency. I had no knowledge of any medical bills owed. I pulled my credit report and called I C Systems. I spoke with XXXX XXXX. She let me know the amount owed was {$2300.00}. However I knew that our insurance covered his service. So I called XXXX. I spoke with XXXX, she referred me to my old employer and stated it was my old employers responsibility to pay. While that didnt seem right I called HR at my old employer and she confirmed that it was XXXX I should be talking to. So I called back. I got a lady named XXXX on the other line. She said the amount showed {$2600.00}, and it was paid. She said we had a {$40.00} co-pay that we paid at date of service on XX/XX/XXXX. She said the doctors office must have sent this to collection in error. So I called XXXX XXXX XXXX XXXX and they transferred me to billing where I spoke with XXXX. She said she had no idea why this went to collections. I then called XXXX  back and they referred me to their subdivision XXXX XXXX XXXX I spoke to XXXX. She said they paid this on XX/XX/XXXX and gave me a check number. She said she had an EOB and would fax it over to the collections agency to show it was paid. I am not responsible for this debt. I have never had a late payment, or delinquency in my entire 17 years of having credit.
" I have an overcharge of {$250.00} on my current balance. I do owe {$480.00} for purchased transactions as of past XXXX statement XXXX. Upon review ... ..here 's the breakdown ; as of XX/XX/XXXX, my purchases amount totaled {$440.00} minus refund from XXXX XXXX of {$94.00} and my payment credited {$150.00} on XX/XX/XXXX. Then, i subtract {$240.00} minus {$440.00} with a remaining due {$190.00}. I submitted another payment was made in amount of {$440.00} on XX/XX/XXXX. Transactions from XXXX and the XXXX XXXX totaled {$930.00} minus that payment of {$440.00}, credits/refunds of {$2.00}, {$11.00}, {$27.00} as of current period ending XX/XX/XXXX. Current balance owing is {$480.00} and NOT {$730.00}. Please reView and adjust my account immediately. ''
On XX/XX/XXXX, I sent Focused Recovery a " Validation of Debt letter that my attorney gave to me. I would like to see the proof that I actually owe these debts as the credit report shows the original creditor to be named only as " Medical ''. I have no idea who " Medical '' is. I also don't recognize having accounts with those balances. I also don't recognize the date of services that the credit bureau shows for these accounts. There are so many things that are confusing about this. 

Account # XXXX {$330.00} and Account # XXXX {$1000.00} What my attorney has told me is that this is not a legitimate debt. So I re-sent the request to validate the debt, and they refused to respond. I don't understand why they did that. I am very concerned about my rights being violated and am going to pursue all legal action to get justice.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
THE CREDIT BUREAUS HAS NOT SHOWN PHYSICAL VERIFICATION
As I stated in XXXX previous complaints, Nationstar Mortgage has been running a scam to get my house. I received a letter today requesting that I turn over my house to them or sell it. I resubmitted a request for a loan modification ( which they told you I could do after a date that I could even meet the deadline. ) I was not notified of cancellation of my modification, they extended my modification by one month and denied doing so. When I called them, they told me to resubmit my modification request. I did, they then told you I could be reapproved by XXXX XXXX, 2016 ( 3 weeks before I even knew the modification was cancelled. ) I am enclosing the letter I received today. These people have been lying to me on the phone, scamming me, lying to you, ( which these documents and my previous documents prove. ) If I had not borrowed money to bring this account into good standing they would have taken my house and evicted me. I had to pay over {$3000.00} to get my house back from these monsters. I had to sell my wedding rings to get enough money to do this. I am chronically ill, on XXXX and I 'm sure they were counting on me not being able to put together enough money to do this. I have friends with money.
I was toward the end of my loan modification process and have been paying a new payment since XX/XX/XXXX. When I called to make my XX/XX/XXXX payment, Wells Fargo said that they were waiting for one last piece of the puzzle from me to approve the loan modification. They said they needed a power of attorney paperwork for my father ( XXXX XXXX XXXX XXXX ), who is a co-signer to my mortgage, which had been sent out out. During the conversation to make the payment, I told them that I 'm going to be selling my condo. When I said that, they said that the loan modification is now null and void and my condo is back on foreclosure status.
I requested a payoff quote of my mortgage. When I received the payoff and I looked at the figures, it said I owed XXXX on a condo I paid for XXXX back in may if XX/XX/XXXX.
I was about 11-12 months behind on my mortgage when the loan modification process started. My loan balance was XXXX as of XX/XX/XXXX. As part of the loan modification, HUD took out XXXX to lower my principle loan balance to XXXX thus making my monthly payment lower. When I was looking over loan payoff, they added in that XXXX twice, thus making my loan payoff XXXX. I 've been making faithful payments the first of each month since XX/XX/XXXXand that money is no where to be seen in my payoff. I called them on Friday and not much help at all I almost had a heart attack when I saw these figures I want to emphasize that the reason I fell behind in my mortgage is because I had a bad slip and fallXX/XX/XXXX and have been on XXXX ever since, and have had multiple surgeries I have sent you screen shots of the original loan modification numbers and the payoff numbers
I opened a credit card with XXXX XXXX in XX/XX/XXXX. I never received my physical credit card. I called many times asking for the credit card and was promised it would be sent, but it never was. I was then told that that a credit card can not be sent until i don't make a payment, so i did, and the credit card was still not sent. They marked my account as past due which also affected my credit score. This is unacceptable and not professional!
Bought my car about 14 months ago. Was told my payments were going to be 360 and some odd cents through my local dealership. Anyways have been paying that every month. Was late a couple times due to some hardship but just four days ago my car got repossessed out of my driveway. I knew I had been making payments every month so I was confused and upset. My husband and I called ally bank the next day they told us that my payments were actually XXXX and because I " neglected '' to pay the remaining XXXX dollars on my monthly payments each month that they charged me an addition late fee of XXXX dollars or so every month I did n't make the " full payment ''. So because I had over XXXX dollars racked up in late charges they towed my car. Angry and upset I bit the bullet to pay it because I love and need my car. And clearly it was a huge miscommunication on my dealerships end verses us. Anyways regardless they should of tried to contact and let me know at least hey ur payment is n't XXXX it 's actually XXXX would of been nice instead of racking up late charges I did n't even know I had. So this was on XX/XX/XXXX my car got taken we call the next day they say we have XXXX days to make a payment or else they will take my care to an auto auction. I told them I needed a couple days to round up the XXXX ( mind you this is also the towing fees included in this too ) to pay them because it was basically going to take everything but I need my car so what can you do. I was trying everything in my power to not get my car sent to auto auction lot so I told them on the XXXX I 'd call back in a day or two to make the payment. Today is XX/XX/XXXX so two days on the dot I called to pay got the payment through only to find out they had moved my car to an auto auction lot and I now have to drive 6 hours away instead of 3 to go get my car. I was furious demanded to speak to manager kept getting transferrd here and every and everybody told me the same thing it was moved to the auto auction lot for ( storage ) purposes. And at any given point and time without payment they can move my car wherever they want. I told them look I have like no money left after my husband and I got paid I ca n't afford to drive 6 hours away just to get my car all because you got antsy and was hoping I would n't pay it. And now that I have paid it they 're rude to me and wo n't take my car back to the original lot. After I was on the phone for over and hour in escalations department they hung up on me because I caught them in so many lies it was n't even funny. I said I feel I should have to pay for these fees at all but I am anyways the least you could do is move it back to help me out a little bit but they did n't care. Told me it was too bad and if I want it towed back to original lot I can pay for it. Otherwise I just need to drive and get it cause I failed to pay before they decided to move it. So will never deal with them again and I hope they go out of business and every person working for them becomes unemployed because they are so disrespectful and unwilling to help when it was all over a HUGE miscommunication
My wife and I have had an had a joint checking and savings account with this bank since  XXXX , no w owned by PNC. We have an overdraft protection account with a {$1000.00} limit. We have a PNC Point Visa Signature CC and a PNC Core CC both with automatic payment set up. On three occasions CC payments were automatically drafted and the balance in the checking was insufficient -- at which point overdraft protection should have covered the amount of the difference. Instead, PNC did not honor the payment resulting in late fees totalling {$85.00} and negative marks on our credit score. They are as follows : PNC Cor  e  XX/XX/XXXX   Late Fee {$25.00}  PNC S ignature   XX/XX/XXXX   Late Fee {$25 .00} PNC Si gnature  XX/XX/XXXX Late Fee {$35.00} I spoke with a  PNC account representative who told me that PNC 's policy is not to allow overdraft to make payment if it is to another PNC credit product and they would not remove the late fee. Obviously, we have OD protection for just such instances and believe the payment should have been honored.
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Also, I should note that in all the year 's we have had OD protection and PNC CCs this is a new to us happening and believe it is a recent change in PNC policy made to unfairly collect more interest, penalties and fees on the back of their customers.