WillisBack/dataset-financial-user-claim huggingface dataset:
When my son entered college it was necessary to have a co-signer. The application indicated I would be the co-owner, which I had a problem with. The loan officer said I would not be responsible for the loan " that is just the way the form is created ''. I asked her if I could notate that on the Promissory Note with her name and she said yes. I wrote down everything she said and sign under the notation, not " on the doted line ''. XX/XX/XXXX my son stop paying his loans on a regular basis, then not at all. XXXX XXXXNavient called my phone everyday, so many times that I stopped answering it. In the beginning I would request a copy of the Promissory Note with my signature so that I could explain why I did n't feel responsible. Each time I received a copy with a computer generated signature. 
XX/XX/XXXX, I answered a call from Navient and tried to explain the extenuating circumstances under which I signed as co-signer and that I would be willing to help my son with his loans if they would just send me a copy of the original note so I could have for future reference if the calls started up again. Because she was collections, she said she would issue the request to Customer Services and if I did n't hear from them to contact them directly. I received another computer generated document and contacted Customer Services who inform me that sometimes these documents are lost. I learn last week that it is a Federal Law that the signature page must be provided upon request. I will probably need legal assistance because I kept my word and have paid on this loan for almost a year but I have never received the document I need. I am turning the responsibility back over to my son and hopefully, though doubtful, he will pay this loan. I still need the document to prove my claim but have been unsuccessful. Please help me obtain this document that I believe we help me clear my name. Thank you.
Ive never went to c why my credit is never approved and finally discovered so many loans -online loans and such even retail purchases ive never even head of. 
Ive had my bank accounts broken in to even from out of state but never knew that there were collections.. Iv3 never recieved any of these loans shown. My adresses have only changed once 1 and ive only had 3 main adr3sses my address in XXXX change to my current physical n XXXX, nm but the permanents are XXXX, az and XXXX, nm postal im currently adsing the postal in XXXX  but havent done so ... Idk who but this is unfair to me and my wife as we thought we could purchase a vehicle i have one that was repoed n the past but since have not trued id like some kind of closure with these listed XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KS XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$880.00} Date Updated : XX/XX/XXXX Original Amount : {$880.00} Original Creditor : XXXX   XXXX XXXX NM ( Financial ) Past Due : > $ XXXX before the due date. 
XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : LEASE Balance : {$0.00} Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX High Balance : {$1500.00} Pay Status : Current ; Paid or Paying as Agreed Terms : {$110.00} per month, paid Weekly for 28 months Date Closed : XX/XX/XXXX Remarks : CLOSED XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : LEASE Balance : {$0.00} Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX High Balance : {$960.00} Pay Status : Current ; Paid or Paying as Agreed Terms : {$80.00} per month, paid Monthly for 12 months Date Closed : XX/XX/XXXX Remarks : CLOSED XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number not available Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : SECURED Balance : {$0.00} Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX High Balance : {$750.00}
Hello, I applied for a Pre-Approved Auto Loan through GM Financial only. The GM Financial application was sent to a XXXX Dealership. My authorization of the GM Financial application was to only allow GM Financial to use my information and run my credit. However, the chevrolet dealership was able to use my information from the GM Financial application to run my credit at multiple lenders. I never once gave approval for GM Financial to openly allow my information to be passed onto other lenders. The dealership took it upon themselves use my GM Financial application and send it to other lenders. I feel as though GM Financial and myself had a contract between only us. The information I provided on their application was strictly to be used for a loan through them not another lender. The lack of protection of my credit information by GM Financial is carless on their part. Additionally, the dealership is at fault as well. However, that is a separate issue. The key issue here is GM Financial falsely advertised that my personal information would only be used for a loan through GM Financial. However, the lack of control and security of their handling of my GM Financial application allowed the dealership to run my credit through other dealership without ever making a new application. 

The dealership information is below as well : XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX Work : XXXX EXT : XXXX Cell : XXXX Fax : XXXX
Wells Fargo bank continues to charge my personal checking account with NSF fees, it is now over {$700.00} i called and made a payment arrangement to pay for the amount overdrawn and i requested to see if I qualified for a waiver. they said no and they continue to charge me for fees when they are not honoring the payments so theres no way they can block the charges and they dont want to credit me for the NSF 's even when they are not paying out any of the payments. this is abusive and predatory, they are unwilling to work with me even after i made an arrangement to brign this account current.
I 'm in a dispute of charges with XXXX XXXX, over a pro-rate charge vs. a full month charge. XX/XX/XXXX a ended my services with XXXX, paid the last month bill ( exhibit A ) and was told that a final bill will arrive in regards to the period between the last billing and the discontinuation of the service from XX/XX/XXXX-XX/XX/XXXX. 

I received the bill but it was a full charge of {$92.00} ( exhibit B ). 
I called XXXX, told that my contract was long expired and that I should be paying only the pro-rate charge. Level XXXX customer service rep. said she could not do anything for me and all the " Executive Customer Service Reps '' were busy, then she took my callback info and said that such rep would contact me in 5 business days. This never happened and instead I received a letter from a collection agency. 

I responded to the letter in writing challenging the charges and demanding them a verification of my debt, they did n't replied to me. 

On XX/XX/XXXX, I received a letter from another collection agency called West Asset Management ( WAM ) about the same charges. On XXXX XXXX I sent them the same letter I 've sent to the previous agency asking again for proof of debt. ( exhibit C ) .This is a standard letter to debt collector asking for proof of debit and requiring them under the Fair Debt Collection Practices Act to do not notify any credit agency until the debt is confirmed in writing, etc ... 

To my surprise, they informed XXXX and XXXX about this collection on XXXX XXXX, and of course my credit score dropped about XXXX points since ( exhibit D ). 

The letter for verification of the debt only came from West Asset Management on XXXX XXXX where they only included the last bill from XXXX, which I 'm aware of, and it is exactly what I 'm disputing here.
National Credit Systems is continuing to report on my credit for a debt I do not owe and the debt is past the statute of limitations in GA. They are also updating the DLA - Date of Last Activity - erroneously. That date should not update unless the consumer made a payment and I have never made toward this debt. I have been disputing this for some time with no response. 
I do not owe what they say I owe and the debt is past the statute. Someone needs to do something about them updating inaccurately and just ignoring disputes.
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Those dates are : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX : XXXXXXXXXXXX XX/XX/XXXX/2015CitiMortgageConsumer Complaint DivisionTo whom it may concern, Re : XXXX XXXX/XXXX/2015, I was told a by the property damages dept. at CitiMortgage that the insurance check my wife and I paid over sixty dollars to mail overnight would be sent back to us on XXXX/XXXX/15. That was erroneous information. Unfortunately, due to the negligence of that it has cause extreme emotional distress because we are displaced. I am disappointed because had that been explain the XXXX time this would not have been a problem. Since the correct information was not disclosed clearly and was misrepresented. It has cost us more damages. 
To resolve the problem, I would appreciate your not only the check and fees associated we would like to be compensated fifteen thousand dollars. I will enclosed copies of my records in the fax number provide. 
I look forward to your reply and a resolution to my problem and will wait until XXXX/XXXX/2015 before seeking help from a consumer protection agency, the media, my insurance company, arbitration, the Better Business Bureau or any other legal action. Please contact me at the above address or by phone at. 


Sincerely, XXXX XXXX
Hello, I contacted Chase this evening to request extension of XXXX XXXX XXXX XXXX XXXX XXXX entitlements to my Chase XXXX XXXX credit card which was opened in XXXX XXXX. I was on XXXX XXXX when the account was opening and remain on XXXX XXXX. Chase informed me that they 're only extending XXXX benefits to accounts that were opened after XXXX XXXX, XXXX, and not existing accounts. 

Reading through the text of the actual law, there 's a compliance deadline of XXXX XXXX, XXXX, but no distinction regarding the applicability of benefits to an account opened before or after this date. Eligibility, which I meet and which can be easily verified via the XXXX website, is all that matters. 

Please confirm that I 'm understanding the rule correctly. If correct, request your assistant in ensuring that Chase complies these requirements. 

Your assistance is greatly appreciated.
I'm in day 76 of a refinance. I have been told 4 times that I was approved upon a few conditions. Every time the conditions were meet and then comes a new set of conditions.They have lied 4 times and are charging new rate locks.There is no way they can turn me down because of my income and credit. So they go on and on with the lies.I have looked at the terrible reviews and now see what they are doing.
On XXXX XXXX, XXXX, I began to pay extra toward the Principal Deferred Balance.  Since then, I have paid a total of {$2000.00} and Wells Fargo has failed to deducted the paid amounts from the Deferred Balance. Or in the alternative, Wells Fargo has also failed to deduct the extra payments from the 'Outstanding Principal Balance '', which would have caused a recalculation of the 'total ' owed and a new monthly payment amount would be less. I have addressed the credit several times and Wells Fargo has refused to credit my account accordingly. In fact, Wells Fargo has not shown to which balance the extra funds have been applied to. Rather, Wells Fargo has shown that making extra payments toward the Deferred Balance is not allowed and yet it refuses to refund my extra payments that I have made. My contract does not forbid me from making extra payments toward the 'Outstanding Principal Balance '. Wells Fargo has accepted by extra payments that were clearly marked " Principal '' and has failed and refused to deduct said amounts from the total balance. Wells Fargo has not applied the extra payments toward any balance and it has not given my account credit, it has not recalculated the total due nor has it recalculated my monthly payment. Instead, it has taken my money and it continues to charge me the same interest rate and amount amounts in spite of the lesser total balance that was caused by the additional payments. On XXXX/XXXX/XXXX, once again, Wells Fargo refused to apply credit for the payments, readjust the balance and give me credit for the interest it charges since XXXX/XXXX/XXXX and in the alternative has refused to refund my money.
PNC Bank XXXX XX/XX/XXXX. A deposit and withdrawal were processed at XXXX XXXX  their cut off time. An ACH was going to be processed by the XXXX. I wanted to close the account but until all ACH transaction had been taking care off, I could not close the account. So I deposited the amount of money on the XXXX at XXXXXXXX XXXX, to cover for that pending ACH. the next day on XX/XX/XXXX, the statement shows a {$36.00} overdraft fee that had put the account on balance by exactly the overdraft amount - {$36.00}. Remember, I wanted to close that account so I made sure the balance was going to be XXXX by the end of the XXXX. I contacted Customer Service the next day ( XXXX ), despite that bank statement says exactly this : 1-Deposit Processed on XX/XX/XXXX XXXX Withdrawal on XX/XX/XXXX balance {$0.00} 3-Overdraft fee on XX/XX/XXXX - {$36.00} Customer service said that they could not reverse the fee transaction cause the money was not available to cover for the ACH, though they both were posted and cleared on XX/XX/XXXX at the bank cut off time of XXXXXXXX XXXX. 
I consider this is an abusive practice, they know I wanted to close the account due to I moved to a state that they don't have branches to bank with, and they insisted that I can not close the account now till I pay the overdraft fee, that I was not supposed to be charged with.
For several years, I have been misled to believe that I was on an income-based repayment plan ( IBR ) with Navient to find out they have used up the deferment and forbearance that should be available to me when if I ever needed it. I have loans with XXXX and have asked them also to take into account the payment I need to make because of what I was paying for my other loans. This has been repeatedly denied to me. I should have been on an IBR plan since 2009, the year after I left college. It is increasingly difficult to keep up with XXXX student loan services who continue to report erroneous information. I believe their tactic in using deferment and forbearance has been malicious in setting me back from paying my student loans, only find that the interest is higher because they have done so.
Hello, I am writing as I deposited a Cashier 's Check, from my XXXX XXXX Bank Account, to Chase on Saturday. I was advised, by a Chase Supervisor XXXX, that the funds would not be available until Tuesday XXXX/XXXX/2016. I am confused as to how this is the case when a Cashier 's Check is easily verifiable by the electronic feed on the bottom aspect of the document. Subsequently, I am finding it a challenge to pay for necessary expenses such as : student loans, kid 's tuition fees, car loans, etc. I have been a Washington Mutual/ Chase bank customer for over 18 years. 
This has been a huge inconvenience for me. As a trauma nurse, who works the night shift, I have little time to tend to obtaining Cashier 's Checks and waiting for deposits to be credited to an account. As I wait for my direct deposit to resume, I am finding this to be a very difficult time for me. I would hate to sever my longtime relationship with your bank, however, this experience leaves me no other choice. It appears to me that Chase is no longer the bank for working professionals. I am sure many of my colleagues would be interested in knowing about how Chase treats their longtime customers. XXXX XXXX had a shorter hold period for a {$3500.00} pay check. In fact, they made {$2500.00} immediately available upon deposit. I refuse to believe that a bank, of which I have just begun a relationship, would be more accommodating. It seems more plausible to me to change my bank to XXXX XXXX, who happens to be my employer 's bank. I would just like to know how long it takes to release the funds on the Cashier 's Check, which has already been deposited? By the end of the month, Chase will no longer have to be bothered with my few dollars. This Morning I submitted an online correspondence to Chase bank, who responded with their deposit policy. Nonetheless, the money still has not been credited to my account from a Cashier 's Check ( which is considered as good as cash ). 

Thank you for your time.
BMO Harris Bank offered a {$200.00} bonus for opening a new account. I met the terms of the bonus, but they are refusing to pay, claiming that I live in the wrong state. The offer that they made had no such restriction. I read on the internet that they did add a geographic restriction after I opened the account, but they should not apply the restriction to previously opened accounts.
called by this debt collector told him not to call after XXXX and he became abusive and threatening.
I have been trying for two years to sell my home. It is a toxic asset and needs to be let go at a short sell at the very least. I also qualify for a deed in lieu due to relocation, which I have twice been denied. I finally have an offer on the home ( first offer in two years ) and was again turned down by Ditech. 

I have received absolutely no guidance from this servicer on how to handle this home. I have stated repeatedly I am out of time, money and options and need help. Nobody wants to listen because up until very recently I was able to keep the mortgage current. Now I 'm behind and they finally want to talk, but only about my statement. They do n't want to talk about how to get rid of this property. 

There is an offer on the table. They refused to be of any help in finding out what I need to get XXXX to accept the offer. I 've only been able to speak with my actual account rep twice and she was of little help XXXX times. I ended up bypassing Ditech entirely and contacting XXXX directly where I learned about an additional resource to escalate the process of a short sell. I repeat - there is an offer on the table and Ditech was of no help in getting XXXX to accept it. 

To say Ditech has been a terrible communicator would be giving them a lot of credit. I am done playing games with them.
I paid for a house appraisal in XX/XX/2016 asked for by AFR doing business as Elend. I had applied for the Refi loan in XX/XX/2016. I submitted all documentations they asked for. It took them so long to process the loan papers that the " 4 '' months window for the validity of the appraisal ( per their loan employee ) they gave me, expired. In XX/XX/2016, they demanded that I re-appraised my property again. I objected as it was on their end that the process stalled. I asked for a refund for the appraisal costs as I found a more reputable company to process my loan. The loan officer I spoke to at eLend refused to reimburse me. I, then, contacted a law firm, gave them the factual information and they wrote a demand letter to eLend on my behalf asking them to reimburse me for the appraisal fee. The law firm for the eLend, AFR, company emailed me a legal letter stating that they do not refund money. When I received the letter from AFR, I contacted the law firm I asked for advice and they advised me to contact yours and other agencies who could be better able to help me to file for a complaint. The company information in question is- AFR American Financial Resources , inc. doing business as eLend. I would like to file this complaint as a warning to other borrowers who may want to do business with this company. I researched eLend online and found that there are also many other people who lost money the same way I did dealing with this company. If legal documentations, emails between eLend and I, etc., of the facts stated above, needs to be presented please let me know and I 'll provide it.
Transunion and XXXX  reporting as a balance is owed for The XXXX XXXX XXXX
contacted by debt collection agency, ( Truaccord ), through e-mail, about a debt that i dont owe. 

Truaccord wrote that I owe XXXX to XXXX XXXX.
I am a XXXX, service connected, and I have submitted both a letter and statements from the XXXX County Property Appraiser office indicating that the taxable value for my home is {$0.00} and the customer service representatives, to include a supervisor name XXXX, has stated that these documents are insufficient. Based on their non-acceptance of these documents, which according to the XXXX County Property Appraiser ( XXXX ) are the only documents they can provide. The XXXX says they can not provide an official tax statement prior to the end of the tax year and Dovenmuehle Mortgage Inc is demanding one now in order to adjust my escrow to reveal a {$0.00} amount for property taxes, instead they have raised the amount of taxes to be paid for 2017 which is WRONG. I do n't know if this is an issue because the mortgage company is outside of FL or not ; but according to XXXX these documents have always been sufficien.
I settled this debt in full on XXXX/XXXX/15 after a settlement agreement was reached. I was told the lien would be removed from my home and 42 days layer the lien is still in place and I continue to show a balance with this company. XXXX is the debt collector and Citibank was the original creditor. I will upload receipts and emails and the settlement offer indicating this debt is paid in full
the three major credit bureaus refuse to remove eviction that does not belong to me ; I am a victim of ID The have submitted affaviadt and police report to support claim and its still there the account names are : XXXX XXXX XXXX/ XXXX XXXX, XXXX XXXX XXXX/XXXX  , XXXX XXXX, XXXX  XXXX XXXX XXXX , and XXXX XXXX ... please see FTC report # : XXXX.
In XXXX XXXX I contact my mortgage company Wells Fargo regarding the status of loan. My monthly payment went from ( {$2000.00} to {$2500.00} ) and I contact Wells Fargo seeking some assistance to reduce the monthly payment. The increase was due to an increase of my property taxes. At the time Wells Fargo said I would not qualify for a refinance but I could get a a loan modification. During XXXX through XXXX of XXXX I continued to make all my payments to Wells Fargo. Wells Fargo recommended a loan modification to me as plan to help me, but this plan has really just caused me nothing but trouble now that I look back. My credit score has be dramatically impacted. I 'm just confused and frustrated how Wells Fargo collected {$9900.00} from me but reported me late on my credit report. While working with Wells Fargo every payment was made directly to this Loan Modification unit on time. I just do understand why Wells Fargo could assistance their customer by telling them to destroy your credit but continue to pay us.