WillisBack/dataset-financial-user-claim huggingface dataset:
Upon reviewing information regarding my Self Lender loan I noticed that I had a pending transaction that I did not authorize on Friday, XXXX XXXX, XXXX in the amount of {$50.00}. On Tuesday, XXXX XXXX, XXXX I did authorize a payment in the amount of {$48.00}. So I called my bank to determine if they had a transaction pending from Self Lender in the amount of {$50.00} and they could not find the pending transaction that was listed on my Self Lender account. I also learned that my account was overdrafted because of a withdraw from Self Lender. So I then called Self Lender 's XXXX number to have the transaction stopped because I did not authorize the payment on XXXX XXXX and did not want to pay any additional fees. I was put on hold for over 10 minutes twice and the phone call was never answered. I contacted someone on chat on the website and received an answer. While speaking the XXXX ( I believe ) I was informed that a transaction could be pending for two to four business days before it is withdrawn from your account, that it could take up to seven day for it to update on the website and that the transaction could not be canceled before the representative rudely disconnected the chat message with me. When I attempted to use the chat again it says that it was unavailable and the office was closed. This is the second time in a row that Self Lender has held a payment until my account balance is low and attempted to withdraw funds. I believe it is in an effort to collect late fees and insufficient funds fees.
Citibank offered a promotion for opening a CitiGold checking account in the beginning of the year. If the customer makes the requirements, we are supposed to receive XXXX in XXXX XXXX points. I made the requirements, and even confirmed with a representative of CitiBank that I was supposed to receive the points by the end of XXXX. I have not received the points yet. I made multiple attempts to ask Citi to honor their agreement, but to no avail.
I and my wife experienced financial difficulties with paying our mortgage. The loan was interest only serviced by PNC Bank and owned by XXXX XXXX XXXX. Our home was placed into foreclosure and we hired a realtor to short sale our home. We hired XXXX XXXX XXXX, XXXX. to assist us with our mediation requests in Maryland and to process our short sale. We have a XXXX XXXX son we have lost all overtime. We attended XXXX mortgage mediation hearings over the last 7 months. At each hearing the representatives of PNC Bank would not review our home for short sale, but retention and told us that what the system does. We always filed out documents for short sale and we received short sale acknowledgements from PNC in XXXX 2015. PNC also conducted a detailed value analysis and their value came back at the same value our realtor listed our home for. The purchasers have waited 8 months to purchaser this home and they are now about to withdraw their offer. PNC refused to review our family for a short sale. All our Request for Modification documents stated short sale request.
I am an Veteran living on a fix income, I had a car loan with Ally Auto financial, I went to XXXX to sell the car and they was n't going to pay off the loan, I had to come up with the rest of the money. I contacted Ally Auto and ask for the pay off of the car loan, they told me how much to pay off the loan, BUT Ally added a " fee '' charge to the transfer!! I contact Ally after I sold the car and ask why they told me the pay off was this much and then tack on a " fee '' of {$20.00}?? The lady told me that there was an over balance in the old account and she will mail me {$17.00}, what 's with this " fee '' and why I ca n't get the full refund?
First I like to explain that my choices above do n't match my situation that I am faced with. Although I do n't owe anything on this debt and it can not be collected. I did n't have the right choice so I put the dot in the Debt was paid spot. Now, I had a car that was repossessed in Texas. I had the car through GM Financial who was my lender in XXXX/XXXX/XXXX. After the repossession XXXX did n't follow Texas Repossession Law. I asked GM Financial to validate that this is a collectable debt under my rights as a consumer. I am going to provide all the information that I asked XXXX XXXX XXXX Incorporated to return all the information that I need. Based on Texas Repossession Rights : Vehicle Information ; Year : Make Model Vehicle Vin Number : When the last payment was made month & year? 
When was the vehicle picked up month & year? 
What address was the vehicle picked up at? 
Who was the original lender? 
What address you send any letters to concerning the buy the car back? 
What address you send any letters to concerning the date of the vehicle sale? 
What capacity the car was sold in auction, private, bank sale and Date & Month? 
After or Before the sale did you provide in full detail the financial itemized report on damages, deficiency judgment, mechanical work itemization, and amount of sale letter How much was the car worth before the sale? 
How much was the car sold for at the sale? 
Provide all certified letters that were mailed out to the consumer by Texas Repossession Law. That notified the consumer what transaction was taking place on the vehicle. Under Texas Repossession Law the Consumer must have all this information and if the lender has not contacted the consumer on the sale of the car then the consumer is not liable for the remaining balance. I am asking for GM Financial to be removed off my credit report because I asked them to provide to me this information within 30 days and they failed to d so in the allotted time frame. I would like an investigation done on my rights as a consumer under Texas Repossession Law. I am providing the letter I sent to Gm Financial that they failed to return the information within thirty days ( 30 ) which is by law. For that reason the debt should be removed from my credit report because they disregarded the Law. In fact, I was not given notice when the car was to be sold. They mention it would be sold ten days ( 10 ) after the repossession in which that was a wrong date. The car was repossessed on XXXX XXXX XXXX and sold at a private auction I knew nothing about on XXXX XXXX, XXXX which is about twenty five days later. That is a violation of Texas Repossession Rights.
I have been making bi-weekly payments that included extra funds to be applied to principal on my loan for about 1 1/2 years. In XXXX 2015 I received a check for {$640.00} from Ditech for escrow disbursement. Upon reviewing my account online I found where Ditech had applied my extra payments to escrow XXXX, sometimes XXXX in a month, instead of correctly applying the extra payments to principal. I have contacted Ditech with my findings and have repeatedly been told that there was no issue and that the multiple payments to escrow was legal. Once again, they sent me a check for funds that SHOULD have been applied to principal and reduced the interest charged to me. They refuse to acknowledge their error, despite the check copy that clearly shows otherwise. I have downloaded all of my data from their website that clearly shows this yet they refuse to correct. Please help.
In XX/XX/XXXX our second mortgage line of credit from XXXX Bank was cut off due to none payment of a credit card bill to Bank of America. I had no charges, statements, or activity on that account that I was aware of. I have always had an excellent credit score and I did not realize this thing would be with me for seven years, so I just simply paid it without a dispute. I now know, dispute these things! I contacted Bank of America regarding the {$63.00} they said I owed them. I told them that I had no bank statement saying that I owed them, they had not called me on this matter, ever. In response to this, they told me I went paperless in XX/XX/XXXX. This is not true, I have paper statements dated after XX/XX/XXXX from them. Also, they have no email address from me, how can one go paperless without my email address? They actually tried to trick me into giving it to them, not once, but twice. They said the only way to clear this, was to pay it, so I did. I now know that I could have disputed the charge and it would not have effected my credit rating. First I was never given a bill, then I was lied too, and worse of all my credit rating was effected.
FAIR COLLECTIONS & OUT Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

I WANT A COPY OF FAIR COLLECTION AGREEMENT/CONTRACT WITH MY SIGNATURE. 



I HAVE ASKED IN 4 SEPARATE CERTIFIED LETTERS TO XXXX FOR SIGNED CONTRACTS/AGREEMENTS FROM THIS COMPANY SHOWING THEY HAVE A CONTRACT WITH ME FOR SUCH DEBT. I CAN'T GET XXXX TO COOPERATE AND FORWARD. LEGALLY THEY ARE IN VIOLATION OF MY RIGHTS TO SUCH COMMUNICATIONS AND DOCUMENTS. 

WILL BE FILING A LAWSUIT FOR THIS INFORMATION AND TO RECOVER LEGAL FEES INCURRED DUE TO THEIR NEGLIGENCE CC ; LEGAL FILE
I 've made payments on time to the company XXXX based on the settlement I 've made with them. The actual balance of this account is XXXX and the other credit bureaus have it updated correctly but Transunion. I 've called XXXX and they confirm they have sent 3 letters to Transunion with the updated information and after more than 30 days Transunion still refused to update my information on my credit report, this situation is affecting my credit score in a really bad way. 
I 've called Transunion several times ( more than 4 times ) and they denied that information, Transunion lied saying they have n't received those letters from XXXX, Today XX/XX/2016 I 've requested to speak to a supervisor or manager and they hang up my phone call. They also refuse to record phone calls from customers, this does n't allow customers like me to get evidence of everything is discussed to Transunion, therefore customers do n't have the way to proof anything against Transunion. 
2. I also want to report that Transunion has my name spelled and written on different ways and they refuse to fix it. I 've requested to report my name in the correct way based on my social security information but Transunion have refused to fix this issue. 
3. I 've waited for more than 60 days for my account with XXXX XXXX to be updated which cause me a really big issue with my credit score. I made the final and total payment of the settlement to XXXX XXXX in XX/XX/2016 and they sent updated information to Transunion. But Transunion updated almost 90 days after that just now on XX/XX/2016. 
4. I have a credit card with XXXX XXXX with a {$740.00} balance by today XX/XX/2016, but although I 've told Transunion my balance Transunion refused to updated it and they still report a wrong balance of {$100.00} dollars, which is affecting my credit score as well. 
5. Transunion have also placed my account under Fraud Alert and they have n't giving my a real and acceptable reason for such a procedure.
3 months after I bought the car it broke and I had to fix it because the finance company Afs Acceptance wouldnt fix it. Its XXXX XXXXXXXX which cause me not to be able to make my payments and I was keeping contact and all. They didnt have to look for me or wonder whats going on. And I still have the car they dont want it back
This complaint is against XXXX located in XXXX, TX. I was living there for 2 years. XX/XX/XXXX-XX/XX/XXXX. Few weeks after I moved out I received a phone call regarding debt collection of {$110.00}. The collector was IQ data international. I disputed the amount and I did not want to pay them a penny. The did harm my credit score, so after few month I decided to pay the just so they can close and remove the debt collection from my credit report. The promise the will, which they never did even though I paid them in full. The debt on my credit report showing under XXXX and that 's who I should come after. I was not suppose to pay at all, but even after I paid that they keep harming my credit score.
I am representing a foreign national buyer who submitted application and got a CD 2 days prior to closing ( attached ), to a surprising news that the loan was not submitted properly and the Loan Officer fired for questionable procedures. The mortgage company stepped in because saw that the file was already approved and placed a new loan officer to resubmit the documents ( new loan file ) to verify. After all that verification, the file was conditionally approved with 3 requirements ( 1 of them a 24 month reserve for monthly payments with a 30 % down payment commitment from the borrower ). Nowhere the borrower was told about that amount of reserves needed and not one of the papers signed stated the policy. Today a month after the borrower has been in the United States, the Mortgage Company is scaling back to ask for more documents showing clear sign of discrimination to the borrower who has always submitted everything accordingly. In the middle of the delays, the borrower has been spending money and paying taxes which compromises even more her position and now she is at risk of losing the deposit given to the builder. 
The borrower does n't speak english but has done everything in her power to satisfy the multiple requests of the lender who had everything from before but decided to ask again for everything not caring for her time and money spent in this country.
XXXX   XXXX   XXXX   XXXX   XXXX   ( Attorney 's Firm  : Schrier, Tolin & Wagman l ocated at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , MD  XXXX  ) already collected a full judgment amount associated with a case number  XXXX  and sent me a letter " Satisfaction of Judgment '' back to  XXXX    XXXX  . However,  XXXX  has n't filed a Satisfaction of Judgment form with  XXXX   Court  for  XXXX   County  and the case still opens. In addition,  XXXX  has n't submitted a credit report for this case after collecting a full judgment amount. It results in negative scores on my credit report.
My client 's information was used without her consent to submit several fraudulent application for credit. While the accounts associated were not established the inquiries related to the applications were found on her credit reports. Among the creditors are American Express ( dispute submitted XX/XX/2018 ), XXXX ( dispute submitted XX/XX/2018 ), and XXXX ( dispute submitted XX/XX/2018 ). Per FCRA 45 business days total is allowed for investigation of fraud issues and the consumer shall be notified of the results of the investigation. As of this date my client has not been notified of the investigation results from these fraudulent applications.
XXXX University XXXX had sign the Master Promissory Notes on XX/XX/XXXX and XX/XX/XXXX when I was not enrolled in their school at that time frame and took out eight loans without my knowledge four loans on XX/XX/XXXX XXXX and {$2900.00} that was split into XXXX XXXX that had continued on with four more loans on XX/XX/XXXX {$17000.00} and {$2900.00}. The school kept the money.
Allied Interstate, LLC-representative XXXX XXXX called me while I was at work. This is a new job for me, and has not been listed on any of my student loans or for collections. This representative did not call the main line at XXXX XXXX ; he called the Shared Solutions line for XXXX and asked to the XXXX agent to transfer to me personally. We are a HIPAA entity and have patient sensitive information on our screens all day, but he still called a private line used for XXXX for patients w/ XXXX . He stated that they just received the collection matter from XXXX XXXX XXXX last week on XXXX/XXXX/15 for a debt on a private student loan over {$39000.00}. The rep stated that he had a cell phone number listed and he tried to call it right before calling my work on a HIPAA line ; however after checking my phone records this rep never even tried to call my cell phone ; he just called me at work and not on the main work line, he called on the Shared Solutions/Copaxone line used for patients. He then stated I needed to call him back on my break at XXXX ; so I did twice and the rep never answered and I left 2 messages which were never returned. The rep during the call said, " Why would n't I call you at work you owe over {$39000.00}, and I 'm trying to help you ; I can offer you a deal to get this paid off. '' I have never received any communication via or written from Allied Interstate prior to this call at work. The rep was very rude, and I still do n't know if they actually have this loan in their collection office, and I question that they got the loan in their office on a Sunday XXXX/XXXX/15. My main concern is that Allied Interstate , LLC ( this is where the rep said he worked for ) has had the loan in their office for 1 week, they have n't tried my cell phone if they have no messages were ever left, I 've received no written communication ; the first communication I receive is at my work that the rep called on a private line for Copaxone patients ; also, I was not able to determine if this was a legit company and if they really have the loan in their office to collect on as the rep was vague and rude ; I also returned his call as requested and my call was sent directly to voicemail with XXXX messages never returned. I do not have my current employer phone number listed for any purposes at this time, and not for sure how they even got the XXXX phone number to call me ; which is n't even the employer themselves ( XXXX ) but one of their private patient lines.
My wife and I applied for a Citi XXXX account in XXXX on the internet. There was a special deal advertised where if we spent {$7000.00} within 3 months, we would get XXXX bonus prestige points. We applied online and received the credit card. Just now, I have been informed that while we did get the credit card, which comes with a hefty {$450.00} annual fee, which we have already paid, we did NOT qualify for the bonus, because we had opened a previous Citi credit card account within the previous 24 months. They claim that this was clearly specified to us in the terms of service, yada yada yada, but of course that 's basically meaningless. Other credit cards I have applied for with similar bonuses have just flat turned us down if they felt we did n't qualify for the terms of the bonus, which is perfectly fair. I do not object to them having this policy, I object to them not making it VERY clear, during the application process, that we would NOT be qualifying for the bonus.
USAA keeps sending me credit card offers. Originally they sent them to me. When i complained, the just changed the name on the address to one of my daughters, who does not live with me. I complained again, and told USAA to never send anything to my address. Now I am getting credit card offers from USAA addressed to my other daughter. Both my daughters are fully grown and have been out of the house for years. My address has even changed since my daughters last lived with me. USAA claims to be such a friend to the veterans, but I 'm a vet, and they are a XXXX to me. Please make them stop marketing my address.
this complaint is with Coldwell banker mortgage servicing. My issue is in XXXX I made my mortgage payment along with the escrow shortage I used the coupon they sent me. They applied it to my principal so when I made XXXX payment I started getting calls attempt to collect a debt!! XXXX XXXX they filed a work order to fix it. Now I come to find my XXXX and XXXX payments have been cashed not applied to my loan but they cashed my checks!!! Where exactly is my MONEY in a interest bearing account???! I have also received paper work a week ago for early intervention assistance because my loan is in default! You get absolutely no place with these customer service people, you speak XXXX, I have turned them into the office of the president and this matter has still not be resolved. What is my recourse here this a RESPA violation under # XXXX there should be some restitution involved here! On top if they have ruined my credit. This is just absolutely unacceptable.
I am unable to reach PHH Mortgage ( https : //www.phhmortgage.com/13571 ). 
- online their autopay webform is broken - their phone system is not working so unable to reach a customer service representitve
I opened an account with Chase Bank on XXXX XXXX, XXXX. I set up direct deposit with my employer, the City of XXXX XXXX, the week of XXXX XXXX. Because of the processing time involved with switching direct deposit accounts, I received a paper paycheck on XXXX XXXX. 

I went to Chase Bank on XXXX XXXX to deposit the check. The teller informed me that the check would be held, but that he could not tell me how long the check would be held for until it was deposited. Thinking that the delay would be at most, two or three days, I deposited the check. 

After I depositing the check, I was told that it would be held until XXXX XXXX. Obviously, holding my paycheck for over a week was both unusual and highly inconvenient for me. I called the customer service line the following day, and I was told that due to the check not verifying, my account had been " restricted ''. 

The representative tried calling my employer to verify that the check had been issued, but could not reach them. When I asked why the check was held in the first place, I was told that it was because my account was new. 

I called again and the representative I spoke to tried to call the issuing bank. I was then told that the issuing bank would not verify that the check would clear over the phone. Because of this, I was told that the check must be held until XXXX XXXX and that I had no recourse, even if my employer verified the check was issued. I was told that the check was held not because it was a new account, but because it could not be verified through the process used for all checks. 

I explained to the representative that the check in question was my paycheck, and that holding it for over a week would make it difficult for me to pay bills I had due, and asked if there was anything I could do to remedy the situation. I was told explicitly that I could n't do anything except wait until the XXXX.
This loan was paid in full in 2013. We have numerous Companies attempting to collect the same debt. The calls are endless, harrassing, threatening and unacceptable. They are claiming to be collecting for XXXX XXXX XXXXThey are calling Family members of mine. Stop breaching my right to financial privacy.
On or about XX/XX/2018, I XXXX XXXX received a letter from Diversified Consultants , Inc. a debt collector ; It was my understanding that the debt would be deleted from the three ( 3 ) credit companies. Based upon the correspondence with Diversified Consultants the out come was what had not been agreed to ; I were under an understanding that the debt would be deleted ; however, after releasing the funds, I was further told to check my email for a correspondence letter. Please see : Creditor : XXXX Agency Reference Number : XXXX ; Account Number : XXXX.