WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2014 my XXXX was stolen at totaled. I have the police and incident report confirming. I had the car for 6 months, never late on a payment, but i knew nothing about gap insurance so i was stuck with the balance. I made arrangements and paid as agreed. I was promised and asked repeatidly about the collection being completely deleted from my report and was promised it would. I asked EVERY month i called in to make the payment so it would be recorded and on record. I stuck to my agreeement and paid a XXXX balance only for them to not delete. still showing as negative with a XXXX balance. our convos are recorded and ive tried to reach out to fix. i want the records pulled and ncb collection deleted as agreed or atleast shown as positive. it is killing my credit. THE LETTER THEY EMAILED DOES NOT MATCH OUR VERBAL AGREEMENT. I WANT RECORDS PLAYED. I SPOKE WITH XXXX XXXX, HES RUDE, WONT RETURN CALLS. IVE SENT 10 EMAILS- NOTHING IN RETURN.
I put in a complaint against XXXX XXXX XXXX, PBCM XXXX in XXXX and I asked them in the complaint " Also before they send anything to my credit I need someone to work with me on making small payments until I am able to make larger payments because like I keep telling them I unable to make big payments because I do not make enough. '' PCMB response was " XXXX outstanding student loans were purchased by XXXX : ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, balance of {$4400.00} ; and ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, balance of {$4500.00}. 

The number that called you was from PBCM 's XXXX office. The XXXX number is from PBCM 's XXXX office, which your accounts were transferred to. 

We are willing to accept monthly payments of {$15.00} on each account provided the first payment on each account is received no later than XXXX/XXXX/2016. We will continue to accept monthly payments provided that they are made in a timely manner each and every month. In addition, the payment arrangement is temporary and will be reviewed periodically for an upgrade in monthly payment amount. '' I checked my credit on Monday XXXX/XXXX/16 and the XXXX accounts are listed as Open and in collections. I called PCMB on Monday and spoke to XXXX XXXX ( General Manager in the XXXX office ) My payments were received XXXX/XXXX/16. I pretty much explained to him everything that 's stated here he said he would pull my file and him or his QA would get back to me by the end of the day. No one called me back on XXXX/XXXX/16 so I called back XXXX/XXXX/16 and the receptionist XXXX told me XXXX XXXX was in a meeting for 15 minutes and would get back with me after the meeting. He called me back and I had to call him back due to my phone having issues. I spoke to XXXX XXXX and was informed that XXXX XXXX. ( VP of Operations in California ) would call me by the end of the day and he has forwarded all of my information to him by email. No one has called me back again.
Last year I was over seas and thought my payment were on ACH while I was XXXX. Came back to find out payments had not gone through and now there are late payments on my credit report that is not allowing me to close on a new home. We have already paid this home off in full.
I XXXX XXXX live XXXX XXXX XXXX XXXX Il XXXX have a mortgage reverse since 2008 in the amount of {$310000.00} lien mortgage. I was not given the opportunity for a counseling session. The mortgage lender has been working with me to get caught up with the taxes. I was under the impression to help me stay in my home. Then all of a sudden the mortgage company file for foreclosure against me and took my home and confirmation of the approving the sale is XXXX XXXX. I have been told to wait when in communication and had no idea that my home was been taken from me. I only received {$1000.00} per month and have not been able to pay a high tax for {$1800.00} per year when I am getting a XXXX freeze home owners exemption and homeowners exemt exemption. Their is some Mortgage Fraud going on. My taxes should not be this high. Its not fair for The Federal Housing Administration to pay off the loan that was insured and defraud the government when I am still alive. My taxes has been inflated. I only have until XXXX XXXX which is the confirmation of the sale. Something is wrong here. I am XXXX XXXX years old.
As friend tried sending me {$400.00} through his bank ( XXXX XXXX ) to my bank ( XXXX ) via clearXchange ( soon to be XXXX ). I tried claiming the money on XXXX XXXX, 2017. I was shown on the XXXX  online site that the money would be transferred. As of XX/XX/XXXX, no money has been transferred to my account.
I called XXXX on XX/XX/XXXX who said they did n't know anything about the transaction. No record of it whatsoever, and to contact the sending bank.
I called clearXchange ( from the information I was given in the email generated by the same company ). The first person also showed no transaction information. I asked for a supervisor who said that the showed that the money had been initiated on the 2nd, but that is all the information they had.
I called my friend who showed me that the money was taken out of his account on the 2nd. Where did the money go? Nobody can say. Apparently there is n't logs of anything beyond " the transaction began ''.
Apparently clearXchange was started/owned by XXXX XXXX XXXX, XXXX, and XXXX XXXX, then sold to an " independent company ''. There is no accountability apparently, and no way to even check on the status.
Security Credit Services/ Acct # XXXX is reporting on my credit profile with a balance of {$80000.00}. This account was transferred from XXXX XXXX XXXX. This account should not be reporting on my personal credit profile. This is ridiculous! I have demanded to see proof as to why this would report on my credit and have yet to receive documentation. Research and correct this information immediately or delete this account off my credit profile!
I entered into a repayment plan with The XXXX XXXX XXXX XXXX for loan repayment. As promised by the XXXX XXXX XXXX XXXX if I paid on time and completed the rehabilitation program they would once completed restore my loans to current and remove all late or defaulted and negative marks. This has not happened! XXXX XXXX XXXX XXXX has not removed the negative remarks from my credit file from notvone of the XXXX credit agencies as terms of the XXXX XXXX program. I paid every month on time as agreed.
Creditor originally was sending me a bill for emergency medical services that were pending to be covered under the state 's XXXX program and I was working with the hospital for coverage, but it was taking quite awhile. I called and notified them of this. The hospital forwarded the debt incorrectly to this collection agency when it has been covered by XXXX. Additionally, the hospital eventually provided me with grants to cover ALL outstanding debts. Also, legally in PA the hospital and it 's contractors can not charge me for uncovered medical services regardless of the cause because I was covered under XXXX. I have never been contacted by phone or mail regarding the debt after my notification to them of my pending XXXX coverage and they have not identified the debt nor have they provided me with any information regarding this debt. I called and requested proof of the debt. I have received no validation notice proving this debt before they reported this debt negatively to the credit bureaus. This is a violation FACTA and the Fair Credit Reporting Act because they are have provided inaccurate information regarding a debt I do not owe despite my attempts to contact them regarding this debt.
on XXXX. 2014 I stop paying a tile loan. I call the tile loan office because I had a financial issue. the loan company and I never could get it resolved. there was a period when I made some payments after but the interest kept going up. that 's when I got into a deep financial hardship. now present I 've reach out to the collect department and I was told that I had to pay full amount that was is pending on loan, plus interest. My defense is are they allowed to collect the full amount and interest? .. after it shows a charge-off on my credit report.
In XXXX last year there were some hurricanes that affected several states including ours. We were contact by XXXX offering to provide a 90 day grace period on mortgages. We contacted the bank and took up the offer. We were told that prior to the 90 day period ending, we should contact the bank to make arrangements for payment. We went in to a local branch assuming that the payments would just be added to the end of the contract. NO - they wanted the three back payments at once. We are retired and on a fixed income and let them know that. The local office gave us a number to contact which we did. In the meantime, we got a letter threatening foreclosure on our XXXX XXXX property. We tried dealing with the Bank but were getting no where. We contacted your office and you sent our complaint to XXXX. There response in XX/XX/XXXX was to take our XXXX XXXX home off foreclosure and extend the 90 day grace period for another 90 days ( we don't have to pay until XX/XX/2018 ). WE DON'T NEED OR WANT THAT. We have been making our regular payments ON TIME since the first 90 day expired. However, what we have found out is that they have reported us to the credit bureaus as late on both my report and my husbands. According to the email that offered the grace period XXXX wasn't going to report this option as late. Also on our monthly bills, the amount that shows as due is the full 90 days PLUS the current month. We have no problem with making the current payment but there is no way to pay 3 months back payment.
I decided to close my Comerica banking account after 44 years because it continued to charge me fees to maintain both a checking and a savings account, and offered no interest on the deposits. To close the accounts, I transferred XXXX pension direct deposit checks to a new financial institution which offered interest on savings, and fee free checking. 

After waiting two months after the XXXX direct deposits were stopped at Comerica, and three months after establishing my bill payments practices via the checking account at my new financial institution, I received a statement from Comerica showing no new checks cashed against the account for the past two months, and a $ 13 monthly fee to maintain the unused checking account, and a $ 12 monthly fee to maintain the unused savings account balances. 

I transferred the remaining savings amount to the checking account, and wrote a final check against the account for the remaining balance ( after subtracting the fees from teh balance ) and deposited the amount in my new bank, thinking I was done with Comerica. 

After the final check from the Comerica account cleared that account and showed up in my new bank account, I went to the Comerica account 's on-line access to learn how to formally close the XXXX old accounts. I discovered a more than six month old check for {$25.00} had been cashed against the account, and found a negative balance on the checking account and a bad check fee added to it. My next mailed statement, which I was going to use to address the check issue while disputing the fee since the account had been closed, showed the bad check amount, the bad check fee, a weekly " recurring fee '' for outstanding bad checks, and the usual {$25.00} in service fees to maintain the accounts. 

When I contacted the bank by phone, I was told that the only way to close the accounts was to cover the bad check ( which I agree is correct ) and pay all outstanding fees and penalties Comerica generated against the accounts ( to which I object ). 

Now I have received a notice from a consumer finance loan firm acting in Comerica 's behalf which said it must either receive a check for or make up a payment schedule to address at least {$54.00} to close the matter as of the date of the printed notice, but it ca n't give me a final amount until I call their XXXX to confirm there are no new charges. 
I assume {$25.00} of that cost is the amount overdrawn against the account, but the remaining cost is the fees I dispute with Comerica.
I filed a complaint with CFPB on XXXX/XXXX/2015 against Trans Union ( please refer to case # XXXX ) Trans Union stated that it would take them 60 days to respond. To this date no response from Trans Union, the items that were disputed still remains on my credit report. Trans Union has violated FCRA by not conducting a re investigation as stated in their response to complaint # XXXX. Trans Union only removed judgments.
This is the second complaint we have filed against AAG Reverse Mortgage Company since XX/XX/XXXX ... after 14 months of trying to obtain this loan we still stand waiting on completion of the loan..we have not heard from anyone since XX/XX/XXXX ... we do not know what our status is or what is happening to our loan ... we have spoke mainly to XXXX XXXX, his supervisor XXXX XXXX and XXXX XXXX ( Loan Processor ) ..we have sent in all the information they have requested to close on this loan but yet after months and months of waiting we still do not know if we have the loan or not ... we have not received any letter or phone call telling us the status ... ..It 's taken so long that we have had to do 2 appraisals..we have spent about {$1200.00} to cover these expenses including survey ... .thank you for your help in this matter .... XXXX XXXX XXXX XXXX
I have XXXX Sams Club credit card. I had checked my credit and found that they had added another account. I was told that they opened a new account number and was going to delete the old account. I called twice and was told they would have it deleted from my credit reports. I disputed this duplicate twice with the credit boards and it still remains verified. For instance on XXXX, I have XXXX and XXXX with the same balance and credit line. They are updating these accounts to my credit report but will not delete the duplicate account.
Hi, I opened a Citibank credit card early this year at the same time as my husband. We XXXX have Citibank XXXX XXXX credit cards and received and offer that if we open a checking account and did certain things ( e.g. pay bills with the checking account ) that we would receive XXXX XXXX XXXX miles. I completed these actions and then they said that the offer was n't found on my account. My husband completed the actions on his account and got the XXXX airline miles. They opened an investigation and after a long time said they would n't give me the miles. Meanwhile they were charging me $ XXXX/month because I did n't have {$50000.00} in the account. They refunded some but not all of the fees but refused to give me the miles so I closed the account.
I have banked at Wells Fargo for many years. I opened a separate savings account in my name only due to my husbands illness. He had sent double payments to creditors from our joint account also, has lost or misplaced his debit card repeatedly. The bank changed my savings to a checking account due to regulatory requirements as I was making too many transfers. I never requested overdraft protection or to have the accounts linked. I called on XXXX XXXX, XXXX to request overdraft protection be deleted. In XXXX XXXX my husband spoke to the branch manager of our local bank. He requested access to my personal account and was told no by XXXX XXXX. On XXXX XXXX, XXXX he again went to the local branch and presented to the teller. He explained that he needed cash and that he was aware that the joint account had {$0.00} dollars however, we have overdraft protection. The exact verbiage used was he gave a sob story. To my knowledge we did not have overdraft protection. The teller explained to him if he uses his debit card inside the branch he would have the ability to make an EWithdrawl. Also explained that then my personal account would cover the overdraft funds requested. In short with the banks tutorledge and advice he withdrew {$300.00} then again {$500.00}. On XXXX XXXX, XXXX he appeared again making his 3rd EWITHDRAWL of {$2500.00}. On his 4th visit on XXXX XXXX attempting an additional {$2500.00} this is when XXXX XXXX called me to inquire if I was aware of the previous EWithdrawls and am I approving a 4th? The answer was a resounding no! I was shocked and completely unaware, I had opened a separate account to keep my money safe. He didnt have access to checks and didnt even know the joint account number. He only had a debit card that limits withdrawals to {$300.00} per day. 1. Why didnt XXXX XXXX call in XXXX during his first attempt to access my account? 
2. With a {$0.00} balance in the joint account why in Gods name did it take a 4th potential withdrawal to notify me?

3. While an employee/employees were aiding and abetting did they receive monetary compensation while in collusion? 
I am aware of several Florida Statutes that cover the receipt of money obtained by fraudulent use of debit/credit cards and any amount over {$300.00} is grand theft intentional. I have been told that this falls under divorce however, I strongly disagree as these actions were deliberate, criminally fraudulent and violating my privacy by exposing my personal account. I am seeking legal advice as I believe this Wells Fargo branch, employees, and policies should be investigated. XXXX XXXX XXXX XXXX XXXX Fl XXXX. ( XXXX ) XXXX
Equifax security breach - cyber attack has now placed my identity at risk. Equifax is suggesting we place freeze XXXX only good for 90 days XXXX and is offering a 1 year fraud protection account but the information obtained in the hack includes social secuity numbers and other information that will have a much longer shelf life! It is crazy to me that their company has placed my long-term financial future at risk but they are only accepting that mantle of responsibility for 1 year and offering what I consider to be ongoing laborious responsibility on our - the victim 's - shoulders. I am a tax paying citizen and feel like there should be some government intervention to ensure Equifax is accountable. I know this is unprecedented but I do not believe that I ever " signed up '' to allow a credit agency to warehouse my personal information and if they did so, without my explicit permission ( which may have indicated that I accepted whatever resulting risk ), then they should also have the responsibility to protect the information. A breach of their security means, they 've not only put me at risk but also expect me to be fully responsible to ensure the information stolen is not used inappropriately fir the rest of my life!
I am corresponding to you pertaining to an issue regarding my Kohl 's Capital One Card regarding a XXXX 2015, 30 day late payment that was reported to my credit report. 

In early XXXX, I had taken off to visit family out of state. Before embarking on my trip, I had setup auto payments through my XXXX XXXX XXXX XXXX checking account to pay off the Kohl 's account balance for the upcoming payment. 

However XXXX XXXX XXXX XXXX failed to execute the payments to Kohl 's, despite the online confirmation I received from them. I would not find out about the delinquencies until my return home in XXXX, by which time the account was over 30 days late. 

Kohl 's customer service department requested that I sent them documentation from XXXX XXXX XXXX XXXX that proved the errors, as well as statements that show my bank account had more than sufficient funds to cover the balance when I had setup the payment. I went ahead and sent them both these pieces of information. However, inspite of this Kohl 's retorted weeks later claiming this issue would not be resolved since the late was not their fault.
Today is XX/XX/19, and it is XXXX XXXX  pst. My loan payment with XXXX XXXX is due on XX/XX/19. I'm trying to pay my payment on the day it's due, and XXXX XXXX XXXX has XX/XX/19 as a greyed out option for paying my bill. Therefore, I had to select the first ungreyed-out day, which is XX/XX/19. Despite paying my bill on time, XXXX XXXX forced me to pay my bill one day late, when actually today is XX/XX/19. This is illegal. They will now claim that I paid my bill late, which means it won't count as a qualifying payment towards my Public Service Loan Forgiveness plan. In actuality, I'm paying my very large bill on time. I want XXXX XXXX XXXX to accept my XX/XX/19 payment for my XX/XX/19 due date as an on-time payment. Note in the attached picture that the date on my computer, the date the bill is due, and then the date that XXXX XXXX XXXX is allowing payment ( they aren't allowing payment on XX/XX/19 ).
I tried to apply for a car loan and discovered there is a XXXX bill collection on my credit report. I tried to contact the company listed on my credit report and they have NO working numbers, or email address or anything. How am I supposed to figure out this " collection '' IF they have never contact me and have NO WAY of getting ahold of someone!!!!!
My wife and I opened a checking account with Charles Schwab and it was never disclosed that a hard inquiry would be pulled on my credit. It does not make sense that a hard pull would be done for opening a checking account. I can maybe understand a soft pull but not a hard pull for opening a checking account. This is ridiculous! 

This was not done for my wife who is the other applicant on this checking account. 

The process for me as a co-applicant from the beginning has been very different and they have treated me with discrimination asking me for more documents due to my nationality and language. 

Even on my first call, the phone representatives did not believe it was me, asked me a lot of verification questions and now I have proof of discrimination because I can see that they even did a HARD PULL on me, and not my wife. They have even asked me for additional proof of ID and documents, once again, these things were not asked from my wife who is the primary applicant. 

A representative called me with a very patronizing attitude from Charles Schwab on XXXX/XXXX/18 ( XXXX ) XXXX XXXX XXXX XXXX with nothing but blaming me for not paying attention when I applied for their account.
My credit report showed a tradeline for " Citifinancial Mortgage ''. 
I also received a IRS tax form with the same mortgage name/info on it. 
I never had a mortgage with this company. 
I contacted them and was told that the account number I was reading them did not exist and it was not even the format of their account numbers and therefore could not be theirs. 
The rep on the phone refused to help. 
I sent a letter along with copies of my credit report and the tax form to the address on the tax form. 
I did not receive a response. 
I also sent a letter to a local law firm I was told are lawyers for Citifinancial, XXXX. 
They also ignored me. 
The questions below such as the ones below, " which part of process '' etc. do not have proper answers because they do n't have options for accounts that are mistakes/result of ID theft.