WillisBack/dataset-financial-user-claim huggingface dataset:
My father had a car lease through Ally bank. 
He expired on XXXX/XXXX/15 - approximately 20 months prior to the end of his lease. 
He paid his XXXX lease payment. 
I am his son and co-executor of his will. 
I contacted Ally bank in the days after his death and was instructed to FAX his death certificate and proof of executorship, which I did. 
After confirming receipt of these documents Ally stated that further payments would not be automatically withdrawn from my father 's accounts. 
I returned the car to the dealership, returned the plates to the DMV, and contacted the auto insurance company. 
I have since received notice that I owe {$8800.00} to Ally. They have explained this as the difference between their estimated value of the car and what they received for it at auction. 
I do not have a copy of the lease contact. 
I was not informed by Ally when I initially contacted them that I would be responsible for this sum. I was not informed that I may want to keep the vehicle, pay the lease payments ( which would have totaled about {$10000.00} over the remaining 20 months of the lease ). 
If I was aware of this I would have kept the car, made the lease payments and driven it through the lease period. 
Now the bank gets just about the entire term of the lease paid to them but was able to repossess and then sell the vehicle at a much higher residual value than it would have had had it been returned to them at the end of the original lease period. I could have spent just a little more money over the next 20 months and had the car. Instead the bank has the car and I have to spend almost the same amount of money.
This company has been dutifully notified that they are in blantant violation o f Fla Stat 95.11  and the Florida Consumer Credit Protection Act as well as various subsections of the Fair Debt Collection Practices Act.  Advance Collection Bureaus has been told the letter of assignment has never been sent to a good address affording me the legally mandated 30 day direct dispute period prior to " LEGAL COLLECTIONS '' beginning. Also, this alleged debt is past the Staute of limitations to collect in the State of Florida. Also, a civil complaint has been filed with the State Attorneys office.
Every month to login to make the payment I have to reset it all over again.

So if my payment is due on a Saturday the auto payment system ask for two months payment and when I want to make only the payment that is currently due it will not take it and send me to customer service but they are closed.

I have complaint to them and they do nothing.

This issue happens every month and then I have to call them and have them reset my password again. This has happened 7 times
We receive notice of balance {$380.00}. XXXX account # XXXX. Ask them send us full invoice to the address, they send the notice of debt.Unsteady they ask me my social security number, name. I will not agree. I will prefer discuss with representatives who originated the invoice.
The company is Sears credit card service.I initaited a purchse to a company called XXXX XXXX to a XXXX XXXX XXXX for service with my idea I paid {$100.00} on XX/XX/XXXX and than {$590.00} on XX/XX/XXXX. According to the contract, I had 3 days to cancel my contract and get a full refund. I decided I did not want the service and felt uncomfortable with there service and called within 3 days and asked for a refund on XX/XX/XXXX I sent out an email and called no answer so I also left a message I contacted Sears credit card service because I used the credit card to pay for the service and they tried to contact the merchant as will after not receiving a response they issued me a temporary credit. About two months later Sears credit card company reversed the credit and charged it to me for lack of information. I then sent them the receipt and email attempting to contact the merchant by fax and email. Sears stated they never got my email and than they are still saying they need more information from me after I sent them the fax and all the necessary docments. I would like my credit back on my account I hope you can help thank you.
My credit report is inaccurate, I have tried numerous to contact XXXX, XXXX, and Experian to request this information be removed. My FCRA has been violated because I was denied copies of documents that were supposedly used to to validate accounts and public records on my bureaus.
I am still missing my wire transfer and it was NEVER credited to my coinbase account. Details are as follows:Name on a/c: XXXX XXXXAmount: $XXXXSending Bank: XXXX XXXX XXXX XXXXDate Sent: XX/XX/18Fed Ref for wire tracking: XXXXReceiving Bank:  XXXX XXXX XXXXRecipient:  CoinbaseCoinbase Ref #: XXXXMy telephone # XXXXMy funds have been in limbo too long and I was charged a $XXXX fee for wiring these funds. This is very disappointing & difficult to understand how it could possibly take this long to credit or deposit funds into my Coinbase account or refund my wire back to my bank acct.I have called XXXX XXXX XXXX, they acknowledge receipt of the funds and stated this is a Coinbase problem.  The only way to contact Coinbase is "online" support tickets, which they send preformatted responses to customer inquiries.  No one has taken ownership of this issue nor replied where my missing funds have gone.  Coinbase claims to be FDIC insured.  How can a bank or brokerage firm be govt regulated and operate with impunity?
My wife and I acquired a " mortgage '' loan from Wachovia in XXXX XXXX. In XXXX, we found out that our mortgage agent ( XXXX XXXX XXXX ) was arrested and charged by the FBI for mortgage fraud. 
XXXXXXXXRecently, I went back to view and calculate our mortgage payments and found out that this loan is not like your traditional loan and we have been paying ridiculous interest charges for almost 8 years. 
This is a loan that pays on principal and interest ; however, interest accrues daily. Here are the issues. 
- XXXX XXXX, we had and still have great credit. Per the Wachovia loan officer, this loan was similar to a VA loan but " less paperwork ''. We got a mortgage loan for in the branch office with this agent ( she was the closer to ). We also got an equity loan on the same day. She pushed this loan into our lap. Home appraisal was at more than what we borrowed. Plenty of equity to get a VA loan with favorable terms for us. This loan is no longer available and there was know real estate attorney involved. 
- XXXX my wife requested a copy of the appraisal. Per the mortgage agent " file was thrown away '' - XXXX We have XXXX auto loans, XXXX checking accounts, XXXX different mortgages at Wells Fargo and no one will assist us with fixing the loan which they did not follow the law. After researching, we feel that they have violated the Home Ownership and Equity Protection Act of XXXX. This loan is no longer available ; hence, a type of predatory loan. I was told that the loan is an entire home equity loan. The front of the mortgage states that the payments are for 360 months. I just made a payment and our entire amount went to interest. So the 360 months is not true. As this is definitely deceptive and unfair, this violates the law. 
- As a veteran, as she knew, we should have been offered a VA loan or other loans with sensible financial terms and not this predatory loan which was sold to us from a crooked mortgage agent who lied to us. Now, we also think that we had a fraudulent appraisal. 
I have requested Wells Fargo to do their due diligence and go back and review our files. They are not willing to assist nor do they care. We are not looking for a bail out but expect them to be held accountable and fix which was done illegally. 
Thank you for your time,
XXXX XX/XX/2018 received billing statement from " XXXX '' for {$0.00} dollars. This is similar to a credit card account. Problem is I did not sign up for this service. The service acts as a Health Care Credit Card account and collection ( including interest penalties ) for XXXX XXXX XXXX XXXX XXXX in XXXX Texas and surrounding area. I did not sign up for this service and immediately called ( XXXX ) and talked with " XXXX XXXX '' and told him I did not sign up for this service and cancel it immediately. XXXX said he would cancel the service. XXXX said he was aware I did not sign up and it was done by XXXX XXXX XXXX XXXX XXXX and in connection with XXXX Bank. I told him I did not appreciate the attempt by both the aforementioned to enroll myself in an account that I did not want nor believe is in anyone 's best interest and that I was filing a complaint with the CFPB.
There are 6 accounts on my Equifax credit reports that do not belong to me. I have disputed these accounts, Was sent notices that the accounts have been verified. They CAN NOT verify accounts as mine that do not belong to me. And they are still listed on my credit reports even though they do not belong to me. 1. XXXX XXXX Acct # XXXX, 2. XXXX Acct # XXXX, 3. XXXX XXXX Account # XXXX, Both accounts 2 and 3 have same acct # s different amounts listed, different company names. 4.XXXX  XXXX Acct # XXXX, 5. Acct # XXXX, 6.Acct # XXXX, These accounts do NOT belong to me and I want them permanently removed from my credit reports. Accounts # 2 and 3 show same account #, different companies, different balances.
XXXX  :  XXXX  USING THESE FRAUDSTER COMPANIES CLEA R RECON CORP  XXXX ,  XXXX    XXXX     XXXX   XXXX  AND  XXXX   XXXX   XXXX  TO SERVICE WHICH IS AN irs VIOLATION, STATING SERVICER, PLUS THERE WAS NO LOAN NOR MORTGAGE. HAVE NO CONTRACT WITH EITHER OF THESE FRAUDSTERS AND HAVE FIRED ALL OF THEM, SEE ATTACHMENTS   XXXX   XXXX   XXXX   XXXX  i : fired all these fraudsters : the forecloure trustee, the servicer, the attorneys and others, long ago, they are still trying to steal my home.   i : se nd Cease and Desist  orders long ago, see how fake this is? CAL. CIV. CODE  2952 (   XXXX    XXXX   ).   After Recording Return To :  XXXX   XXXX   XXXX   XXXX   XXXX   [ Space Above This Line For Recording Data ]   XXXX   FICTITIOUS DEED OF TRUST   Fictitious Deed of Trust recorded by  XXXX  on behalf of [ Name of Person ]  XXXX .    [ N ame of Lending Institution Causing the Instrument To Be Recorded ] This title page is hereby incorporated into, and made a part of, the attached Deed of Trust, both of which together comprise the Fictitious Deed of Trust. This Fictitious Deed of Trust is being recorded pursuant to  CAL. CIV. CODE 2952 (   XXXX    XXXX   ).   These fictitious entities  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  and CLEAR RECON CORP, which based on ample evidence on records, have been laundering money,  which based on prima facie evidence, includes laundering drug cartel monies, in collusion with attorneys and a pretending services pretending to be the Trustee for foreclosure purposes and acting under Color of law which means in collusion with Officers of Law Corporate in Collusion with Fraudster Banks with fiat paper monies and instruments.    These charlatans have been fired, do not have chain of title, do not have a contract with the real owner of the property and land that they are offering for sale both on the internet ( wire fraud ) and in person. They have committed and been involved in fraud, swindles, tricks and schemes.   This amounts to Robbery ashore as part of the pattern of racketeering activity by collection of an unlawful debt which engaged in, or the actives of which affect the interstate or foreign commerce.   They must divest themselves of the ill begotten property, belongings and financial gain they have derived from their fraud. The selling, conveying, monetizing, fraud, stealing, was done knowingly and willfully. The statements on the internet or printed material was materially false, fictitious, or fraudulent statement or entry. Whoever buys from these fictitious entities and receives, conceals, or retains the same with the intent to convert into his use or gain, knowing it to have been embezzled, stolen, purloined or converted-goes to jail, and so do them!, the attorneys, the officers and directors if CLEAR RECON CORP and  XXXX   XXXX   XXXX .   Warrants and Bill have been issued already to  XXXX  enforcement of the highest of the land.   other info :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Forgery/ Calif. cod e 115 ( a ) 10 year s in prison.   These entities have been notified.   Remove the Auction demanded today.
Us bank is reporting XXXX separate automatic teller machine abuse on XXXX and they are all incorrect. I would like to know what must be done to get these removed so I can open an checking and savings account
On XX/XX/XXXX my card was hacked. I noticed some transcations that i did not make. I have issues with my card being hacked chip malfunctions and fraud on my account
I had gotten a XXXX loan and a XXXX loan through my school XXXX and began attending school in XXXX, graduating the following year in XXXX. From the word jump there has always been problems with XXXX/Navient. When I first set up the automatic payment that was free because there were added charges to doing it any other way, they would charge me 2 or 3 times the monthly payment. Then when I would contact them they would tell me that someone must have entered in a number wrong and they were sorry for the inconvenience. Over the next few months other things would happen like it did n't automatically make my payment and charge me late fees and their excuse was the same every time. They never once would return the late fees. For months it was problem after problem until I stopped the auto pay and began doing it myself but the issues did n't stop there. Issues would come up where they would switch accounts on their end so my payments were no longer being received and more late charges or they would change the amount of my payments so I was under paying and more late charges. All of these things would happen and there was never a warning or something to let me know that they were changing not even when they changed their name which guess what, it cause the payments to not get processed and I was charged late fees. When things were tough they would lead me into thinking that forbearance was just a freeze on my loans and would n't have a negative affect on me in any way and they never gave me any other options besides going into forbearance. I still have issues with them to this day and am sickened by how they conduct their business. I hope this lawsuit ruins them and those in charge see the inside of a cell. The payments I make are almost the minimum and they are still the highest monthly fixed price bill I pay besides the mortgage on my house.
I use XXXX XXXX XXXX online banking for the ease of : a ) removing the need for paper bills to mailbox & possible identity theft, b ) extensive electronic relationships provide expedient & efficient payment. 

However, some times due to any number of reason outside of my control, the creditor does not receive timely payment. Case in point against Barclay now seeks to charge {$25.00} late payment, but it's not my issue of their communication with XXXX.. 

I refuse to be charged late fees for matters outside of my control and DEMAND it removed from my bill.
On XX/XX/XXXX I wired Coinbase {$14000.00} to purchase Bitcoin. I 'd contacted their support department first on XX/XX/XXXX in regards to this wire not posting to my account. All of this was done under Coinbase Case ID # XXXX, I again tried to contact them through their online support system since they do not have phone support on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been told that my case is with the correct support team and that is it, I 've received no estimated time my money will be available to me or any reasonable contact to make me believe my {$14000.00} is not just lost and/ or stolen or any number of other possibilities. I put in a Better Business Bureau complaint and all Coinbase has told me from that is the same reply that my issue is in the correct teams hands without any idea if or when my money will be provided back to me. I ultimately just want what I sent Coinbase my {$14000.00} for, Bitcoin. I think it is completely unbelievable that they have had my money for now over 2 months and I just keep getting the run around that the correct team is engaged but I have gotten zero resolution and really awful support.
I called an stated there are no agreements with DIVERSIFIED ADJUSTMENT, INC. And they gave me a round around statement.I have no knowledge of it, no legal obligation for it and no information as to its origin. 
There is NO police REPORT or fraud AFFIDAVIT possible and no information or documentation in my possession in regard to the data contained in the tradeline CREDIT REPORT.This account is not mine.
I have been in contact with this company on a regular basis and have been making regular payments.Yet it is reported as past due/unpaid?
I have disputed this account entry with both the credit bureaus and Portfolio Recovery Associates alike. In XX/XX/XXXX, I noticed that Portfolio Recovery Associates had placed an inaccurate entry on my credit reports. To that end, I disputed the entry with the bureaus and their response yielded the account was verified. I then submitted my dispute to Portfolio Recovery Associates in my letters dated XX/XX/XXXX and XX/XX/XXXX. To date, Portfolio Recovery Associates has not responded with documentation that bore my original signature, correct address, or ledger of accounting history to justify this amount for this entry. This alleged debt lacks veracity as well because the correspondence states an amount that differs from the amount reporting. See attached documentation. 

It is evident that Portfolio Recovery Associates is blatantly violating my consumer rights by reporting an entry on my reports that but yet fail to provide validation of the entry. My rights under the FCRA and FDCPA are violated ; thus, this entry must be deleted from my credit report immediately.
XXXX XXXX placed a repossession on my credit report when in fact it was a dealership error. On XXXX/XXXX/XXXX I leased a XXXX Chrysler 300 ( Acct # XXXX ) from XXXX XXXX dealership in XXXX, IL. Upon the lease end date ( XXXX/XXXX/XXXX ) I spoke with the lease end department and was informed that since I made my first and last lease payment when I picked up the vehicle, I could just take it to any dealership at the turn end and owe nothing. On XXXX/XXXX/XXXX I dropped the vehicle off at XXXX ( see attached XXXX XXXX Inspection Report attached ) and returned home. On XXXX/XXXX/XXXX I received a call from a woman name XXXX that was in Texas. XXXX stated she was from a repo company and was looking for the vehicle. I informed XXXX that I turned the vehicle in XX/XX/XXXX. XXXX stated it was not unusual for this to happen and she would call the dealership and give me a call back. XXXX immediately called me back and informed me that she had located the vehicle at XXXX and it had been sitting there for 5 months. Since then year after year, dispute after dispute, I have been unsuccessful in getting XXXX ( Now doing business as XXXX XXXX XXXX ) to remove a charge-off/repossession from my credit. I have disputed this with as XXXX credit reporting agencies ( XXXX, XXXX, Experian ) with included documents of proof, and each company refuses to remove the negative item from my report. I returned the vehicle, a few weeks late, but the it is not my fought that XXXX let the vehicle sit on that lot for 5 months and failed to notify XXXX. Now I have suffered for that mistake and error. On top of that the reporting entries on my credit report are in error, misleading, and in consisted. For these reasons and others, I have ask the reporting agencies to remove the items and they refuse. I am requesting that XXXX dba XXXX. XXXX XXXX immediately remove any entry they made from my report. Also I request they be held responsible for sending notification of their error to each and every company that I have obtained or attempted to obtain credit from over the last 5 years.
i have never missed a payment on gas card or my medical card. i knew that i would need new credit for our flooring and reduced the line of credit on my gas card by {$1700.00} and my medical card by {$4000.00}. i then was approved for less credit than i needed at 2 flooring stores. i closed those cards and my gas card to increase my chances of getting the credit i needed. i was then denied even though i reduced my credit lines by {$12000.00}. this stinks. i will no longer use Synchrony bank or its Vendros going forward.
I have a balance of 4000 plus dollars on my account and there should be a XXXX dollar balance currently as all transactions were fraud on the account since XXXX. I filed multiple claims multiple times but they never got back to me or re-credited my account. I do n't even see credits from large fraud charges to merchant. Discover has not even proved to me that I made the charges. IF I know I did not make the charges, then how does them simply doing an investigation that does n't even entail any real proof make them correct and me wrong? There are many more charges of all kinds that I have not received credit for even though I claimed them as fraud and the investigations are now all complete. I should get all my credits valuing to the amount of my current total balance. I can not even see the statements at this point thus I do n't even know what charges Discover is holding my liable for as of now that equals my total current balance. This has already disrupted my credit report, so I also seek additional compensation for damages caused by them not changing my revolving my balance on time and having this account in bad standing for 6 months or more, for no reason, and I should not have to be responsible for such damage. If I knew Discover would have such poor response rate and fix to fraud charges, I would not have signed up for this credit card. I am even a preferred card member where I pay an extra XXXX dollars a year. They should treat me better than this. This is my third complaint against Discover now using this CFPB service. They still have not done anything.
I have a credit card with Bank of America, I have been paying my account on time via recurring payment or auto debit option with a fix amount of {$50.00}. XX/XX/2016 my minimum amount increased from {$50.00} to {$55.00} so the payment were less than amount due. Since I was enroll in auto debit option I was not paying attention to account statement. I found about this only when my account was reported delinquent to credit reported agencies. I never received a notification from the bank that I 'm paying less than amount due and when I called customer service the agent told me rudely that it is not their job to notify customers that I have being paying less than amount due. 
They not just reported my account late but also charged me late fee for XX/XX/XXXX till XX/XX/XXXX while I have been paying {$50.00} each month.
I have a loan with STATE EMPLOYEES C U. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and STATE EMPLOYEES C U with no successful resolution. XXXX  was thw only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Dear I made a XXXX  TRANSFER request from XXXX XXXX XXXX to XXXX XXXX, XXXX on XX/XX/2018. The fund was with held at XXXX XXXX  ( XXXXXXXX XXXX- JP MORGAN CHASE , NY ). When Remittance Bank is asking for status enquiry, there was no reply from them. Even the beneficiary bank got only XXXX  message but no funds transferred to them till now. I am attaching XXXX COPY.