WillisBack/dataset-financial-user-claim huggingface dataset:
Took out loan using car as part collateral, lost job claimed bankruptcy signed a reaffirmation for the loan.Signed up for automatic deductions from my checking that they take out every month, they are trying to collect money from before the agreement I spend endless time I get it straightened out for about a week then a different number starts calling. Some calls are threatening
This complaint involves Transunion. I want to place a freeze on my credit. I was able to do that by phone for my husband. Next, I tried to place a freeze on my own credit and the recording stated I had to speak to an agent. This was on XXXX. The line was busy. I tried 4 more times and the line was busy. I tried to call them directly and no one ever came on the phone. On XXXX I tried again to put a freeze on my credit with Transunion by phone. Again the recording sent me over to a phone line that was busy. So, then I went online and wanted to place a freeze. The website would NOT let me do that. Instead it wanted me to buy True Identity which is a product. I DO NOT want it. I want to be in control of my credit. Please help me with this. I have not been able to speak with one human being, except a nice lady with Consumer Finance. This must stop! These credit people are taking advantage of all of us, especially at a time when we are informed, months after it happened, a breach had happened. Please reconsider the power these groups have been given!!!
I heard about a service made out to be similar but better than pay pal called google wallet. I downloaded the app and transferred XXXX $ in total to g wallet. It took about 3 days to clear in both my checking and google wallet account and when it did google wallet took XXXX $ from my checking account and there was only XXXX on my wallet account. i immediately called google wallet while I was in my bank and informed them the issue and they first claimed it was as bank error. the banker I was Cleary stated it was not and entirely Google 's fault. After about XXXX hours of calls and fighting with google wallet they refunded the XXXX extra dollars they had taken within XXXX hours but not the over draft fee the banker charged me. That was XXXX. the XXXX I actually had transferred went to Google wallet and I sent XXXX to google play with no issues. the remainder I was going to use once my wallet card arrived. I received the card XX/XX/XXXX or XX/XX/XXXX and when I tried to activate it they closed my account and said I would not be able to use the card or google wallet period. So I asked for a refund they emailed me a form which called for my bank info to refund me. today is the XX/XX/XXXX. I 've called daily spoken to at least XXXX supervisors had it escalated to higher departments and the only answer I get is they are looking into it. I have now filled out XXXX refund forms spent hours daily speaking with them and gotten nowhere. Should I seek legal action? Please help that XXXX is a lot of money for me.
I received a promotional offer from Citibank to open a new checking and savings accounts requiring completion of qualifying activities to earn a cash bonus and would receive the {$600.00} bonus after the conditions have all been met as outlined below : 1. Open a new Citi Checking and Citi Savings account. ( I opened both accounts on XX/XX/18 ). 

2. Within 30 days of account opening, deposit a minimum of {$50000.00} in either new account. ( I deposited {$1000.00} in new checking and {$49000.00} in new savings account on XX/XX/18, same day I opened the accounts ) 3. Maintain a minimum of {$50000.00} for 60 consecutive calendar days following the date of deposit. ( Yes, I never made any withdrawals at anytime ). 

4. The Cash Bonus of {$600.00} will be credited to the new Eligible Checking Account within ninety ( 90 ) calendar days from the date you complete all other requirements. 

5. I've spoken with two supervisors on two separate occasions and they both confirmed that I've met the qualifying activities to earn the {$600.00} bonus. They confirmed the 60 days plus 90 days would have occurred on XX/XX/2018 and they both agreed I should get the {$600.00} cash bonus by this date. 

I called Citi on XX/XX/18 @ XXXX XXXX they said it is being investigated. 
I called Citi on XX/XX/18 @ XXXX XXXX  said it investigation is being escalated. 
I called Citi on XX/XX/18 @ XXXX XXXX they said should be resolved soon. 
I called Citi on XX/XX/18 @ XXXX XXXX spoke with XXXX. She said the money will be deposited by 1-2 business days and that I have met all the qualifying criteria and I should have received the money back on XX/XX/18. 
I called XX/XX/18and confirmed the {$600.00} has not been deposited in either checking or savings accounts. 

In all discussions with the bank, they all agree that I have met all conditions of the offer but no one is able to credit my account. 

XX/XX/18 Went to the XXXX, CA branch and spoke with XXXX XXXX the rep that I opened the account with originally back on XX/XX/18 and she remembered me and checked her computer and called Citibank promotion dept and again, she confirmed that I did qualify for {$600.00} however " the process needs to go through another step '' and she will contact me when she gets additional information. Again, this is another attempt to stall or not honor their promotion. 

This promotion appears to be some time of scam to defraud consumer of their money so Citi can take advantage of the high flying stock market and use consumer 's money for free.
I filed a compliant XXXX XXXX pertaining to an account in question ending XXXX. I received a phone call tried to call back that customer service number and extension. I would appreciate to be contacted by phone and or mail, with Bank of America.
When reinserting information on a consumers credit report the credit reporting agency must notify the consumer within 5 days. No such notification was ever given to me in regards to the matter concerning XXXX XXXX/ XXXX XXXX . Account information was deleted on XX/XX/XXXX from my Transunion Credit Report and was reinserted on XX/XX/XXXX. 
In accordance with FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required by law to notify me of reinsertion in writing within 5 days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no letter of reinsertion and therefor FCRA Laws have been violated.
In XXXX, My grandmother and conservator, allegedly gave Wells Fargo Bank a reverse mortgage on a property that was held in an irrevocable custodial trust, ( by order of a XXXX Judge XXXX for my behalf. When she passed in XXXX XXXX, I discovered that Wells Fargo had indeed placed a mortgage lien on the property. I contacted them XXXX XXXX to inform them that the property had been previously placed in a irrevocable protective trust and that my grandmother did not have the authority to remove the custodial property from the protective trust without the Judge 's order, nor had I signed away my interest ( indefeasibly vested ) in the property. In XXXX XXXX Wells Fargo through their attorney agreed to pursue a title insurance claim in lieu of foreclosure on the custodial property. In XXXX XXXX, Wells Fargo sent me notice of foreclosure by sheriff sale. In XXXX XXXX I filed a complaint with CFPB. Wells Fargo responded that they had no notice of the irrevocable protective trust on the custodial property. XXXX XXXX, I recorded the irrevocable protective trust on the custodial property and the deed transferring the property to the trust, and mailed a copy to Wells Fargo and all interested parties. I requested that they release their lien against the custodial property, since my grandmother did not possess title nor authority to transfer the custodial property to Wells Fargo. In XXXX XXXX, Wells Fargo set the property for Sheriff Sale without giving new notice. In simple, Wells Fargo is a attempting to foreclose on a property based on a mortgage that is invalid and fraudulent. They are well aware, yet they proceed with the foreclosure because they believe they can get away with it.
I. XXXX Law Firm/Attorney 's ) sent me a letter dated XX/XX/XXXXstating 1 ) they had been retained by INSERT ORIGINAL LENDER, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XXXX/XXXX/XXXX. In that letter, I asked XXXX XXXX XXXX FIRM/ATTORNEY 'S to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by XXXX XXXX XXXX ATTORNEY 'S on XXXX/XXXX/XXXX. 

III. I also pulled down my credit report and saw that this debt had been charged off. 

IV. I was served with a lawsuit on XXXX/XXXX/XXXX by XXXX XXXX XXXX FIRM/ATTORNEY 'S regarding this matter. 

Go here and file a complaint against the law firm after you. 

ISSUE : This firm stated they were retained by Small Claim XXXX, That claim is patently false, since the debt was charged off. If Insert Original Lender was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by XXXX XXXX XXXX in the letter are fraudulent and misleading, and intended to intimidate. Further, XXXX XXXX XXXX has extended this fraud into court.
On XXXX XXXX I sent a letter to XXXX XXXX XXXX BOX XXXX XXXX NY XXXX, I requested VALIDATION OF A DEBT they say is owed to them ... This is a third party collection agency I request they provide written documentation signed by me and them stating I would pay the debt to them. Following below is the exact verbiage that was sent to them. Instead of sending me the signed documentation I asked for what I received was copies of bills which is not VALIDATION OF DEBT. I am requesting that XXXX  cease all collections and remove themselves from all credit reporting agencies as I did not authorize the sell or use of my information for any purpose. Attached you will find verification of communication I sent to them also documentation they sent back to me. There is NO CONTRACT between me and this agency. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission XXXX FTC XXXX and other state/federal agencies. 

Please attach copies of the following documents : 1 ) Agreement with your client that authorizes you to collect on this alleged debt. 
2 ) Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 
3 ) Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.
I have an account with XXXX XXXX XXXX through XXXX XXXX XXXX XXXX. My payment due date is the XXXX of each month, of which I am making my payment on the due date every month. My account was recently compromise so I was reviewing my statements and noticed that I am being charged a {$38.00} late fee every month, even thought I am making my payment on its due date of XX/XX/XXXX. I contacted comenity capital bank and was told that although my payment is made on its due date of XX/XX/XXXX. It doesn't post until XX/XX/XXXX and is considered late. XXXX has never sent me any written literature of the numerous late fees nor have they contacted me in regards to the payments being late. I spoke with an account supervisor who informed me that they are only empowered to make one of the six late fees adjustment. I feel that this is blatant unfair business practice against the consumers and if the company gives a due date of the XXXX of the month, I should not be charged a late fee because I made a payment after XXXX on the XXXX. Can you please assist with this issue Thank you Mrs.XX/XX/XXXX
On XX/XX/2019 I contacted USAA Banking via telephone. I have been a member of USAA for over 19 years. ( Membership number XXXX ) During this telephone call I completed an Application to secure Auto Financing to purchase a XXXX XXXX XXXX XXXX The application process was very easy and I supplied all the information that was requested. Several hours later I was at the XXXX Dealership with the General Manager finalizing the transaction and called USAA Banking back to verify the Interest Rate and was told my rate would be 4.28 percent on borrowing {>= $1,000,000}. During this same call the USAA Representative was even nice enough to verify the monthly loan payments in terms of how much of a down payment I was going to make on the purchase. The following Tuesday XX/XX/2019 I recontacted USAA to find out the status of my loan and was told that I was approved but the interest rate would now be 4.74 percent. There was NO immediate explanation given until I escalated my complaint to a manger who informed me that because my credit score was ONLY XXXX the interest rate was raised. I deem this to be deceptive business practices and blatantly just fraud. USAA Has refused to speak with the USAA Representative who quoted me 4.28 percent so as to verify that I was told my loan Rate was 4.28 percent. 
XXXX XXXX XXXX
I have a balance ( for what feels like forever ) with Discover card. I agreed on a monthly payment plan. Without my authorization Discover fraudulently took funds from mother 's account. I'm not sure how they got my mother 's information other than once she allowed me to use it to hold a hotel reservation which I ultimately used my Discover card to pay the hotel bill. My mother is XXXX years old an can not afford to have had this money taken from her. It got by both of us because we were grieving the XXXX of my father and my husband had just suffered a massive XXXX. My father paid all of their bills so it was much later that my mother realized this money was coming out of her account without our authorization. On XX/XX/XXXX I spoke with a Discover card representative, XXXX. I explained that they were drawing money from my mothers account without permission. I asked her to produce paperwork showing that I gave them permission to access my mother 's account. She told me that they don't keep those records but that she would refer me to the fraud department. After not hearing back from anyone from the fraud department I called Discover again onXX/XX/XXXX, spoke with XXXX, was told again that they would refer my complaint/request to the fraud department and again I never heard from anyone, but they continued to bill me every month. Subsequently I had to make another payment arrangement because the {$14000.00} balance had not really decreased in three years because of the incredibly high interest rate I was paying. I have a payment arrangement letter dated XX/XX/XXXX informing me that my direct pay would begin on XX/XX/XXXX. This letter does not show my account number but this is when they retrieved archived information and automatically took the money from my mother 's account. I did not realize this was happening. I just received a monthly email notification that the payment had been made. During that time I was transitioning from having my XXXX husband pay the bills to me assuming responsibility for the bills. However, I also have the letter dated XX/XX/XXXX enrolling me into a new direct pay agreement showing the ( my ) account number that I gave to them. They fraudulently stole money, approximately $ 7,000+ from my mother. I believe that their unwillingness to assist me in addressing this matter is an indicator of guilt. My mother is on a tight fixed income and can not now afford to make repairs in her home because this money was taken from her illegally and she doesn't have extra money.
Shellpoint mortgage has not complied with their agreement of assumption making it difficult for me to pay the mortgage to the account in which I assumed. 

They still have the account opened in my ex husbands name after the assumption was granted and an account in my name as well. ( please see document dated XX/XX/XXXX. ) I had to endure ongoing fax, email and calls, showing them documents from my bank stating only one mortgage payment was returned to my bank ; however, they placed account in delinquency. ( XX/XX/XXXX letter, outline my efforts ). 
I requested the online account access information be in my name only, which I was told the IT department will correct. Account not updated as of this date. 

I obtained an email last week to notify ex husband the mortgage is due. 
I am being harassed by ex husband because this information is still on his credit report. 

.They caused me financial hardship by taking two mortgage payments in the month of XXXX ; hence they have and still continue not to close the account in my ex-husband name. 


They failed to file the new deed in my name only with the City of XXXX deed department. They failed to send me a copy of the assumption paperwork after I requested on several occassions.
WE SIGNED LOAN FINANCE DOCUMENTS TO ONLY LOWER OUR MORTGAGE INTEREST RATE, AND THE LOAN DOCUMENTS WERE CORRECT. THE LOAN BALANCE WAS NOT TO INCREASE AT ALL AND THE LENDER WSA PAYING THE XXXX CLOSING COSTS. WHEN THE FINAL DOC 'S WERE PREPARED, THE TOTAL LOAN BALANCE INCREASED BY XXXX, AND WE DID NOT CATCH THE ERROR. I 'VE CALLED NUMEROUS TIMES, WROTE TO THE COMPANY AND THEY ARE NOT DOING ANYTHING TO CORRECT THIS. THEY STATE THAT I SHOULD HAVE CAUGHT THE ERROR BEFORE SIGNING THE DOC 'S IN MY HOME. THEY PROMISED THAT MY LOAN BALANCE WOULD NOT INCREASE ... I WOULD NEVER HAVE AGREED TO THIS IF I HAD TO PAY ANY FEES. IT WAS A VERY SMALL REDUCTION IN INTEREST RATE.. I HAVE ALL OF THE DOCUMENTATION AND I 'VE ALREADY PROVIDED IT TO THE LENDER BY MAIL. DISCUSSED WITH MULTIPLE EMPLOYEES AND THEY STATE THAT THEY CAN NOT CORRECT THIS.
Some years ago ( approximately 2010 ) I opened what I considered to be a Line of Credit with variable rate through Citibank. Citibank, according to my monthly statements, terms this as a " Variable Rate Equity Source Account ''. Total amount that I requested was for {$140000.00} of which I used {$100000.00} or so. What I do not understand is that no matter that the interest rate varies, and I have made two payments totaling {$2000.00} strictly towards principal my principal balance hardly decreases. Even when I paid down the principal the bank still went ahead and based their following month 's interest accrual on the total prior to the principal payment. The interest rate never varies in total ; each month at least for this year it is averaging at 5.30 %. So my total monthly payment which includes principal and interest never changes much from approximately {$450.00} give or take a few dollars. 
I have gone into the bank to ask why this is, and the rep. told me that while the interest rate is variable it 's still based on prime + spread. I find this to be very deceiving as I do not understand why I have to be charged extra ( spread ). 
It is exceedingly difficult for me to understand if I entered into a contract understanding that I will be charged a variable rate that I am in reality paying what amounts to be a fixed rate. Again as I mentioned above my average monthly statement is for {$450.00} give or take a few dollars. This is not right in my opinion. 
Also I have to complain about Citibank 's procedure for paying down on my principal. I feel they make it very difficult for a customer to do so as I was told that I needed to mail a check stating it 's for principal with the excuse that only the particular department it goes to can handle the transaction. I was told that it was impossible to even make an online payment towards principal. I can not understand why in the internet age this is not possible ... or to have a bank clerk process the transaction! What I feel is Citibank knows a snail mailed check will most likely not reach them in time for the principal balance to be decreased thereby allowing them legal right to charge interest based on a higher principal balance. It is, to me, basically ripping off customers.
I have sent 2 letters one in XX/XX/XXXX and one XX/XX/XXXX, to Ditech for the past few months regarding how my payments have been applied, what is the corporate advance of {$60.00} for, and per the last modification I had I am not supposed to be charged late charges why all the sudden I have late charges on my account, why I do n't get my monthly statement like I am supposed to get monthly. So far no response except a letter to cure telling me how to pay to cure with no much to work with, but when I called the company they have double up on what I owe. I just need to know details of the payments applied since XXXX 2017 till now, why after all these years late fee start adding in my account, why is the advance balance for, where is my unapplied balance of {$160.00} applied to in XXXX 2017 because I was told to pay the {$370.00} to complete payment that was done.
I was originally a co-borrower with my now deceased husband in XXXX. I modified the loan after he died in XXXX. I lost my job in XXXX I asked Suntrust mortgage company for a modification on the loan, they refused and sent me a response giving my options for a short sale or foreclosure starting on the XXXX of XXXX. I work a XXXX XXXX job and the bulk of my money comes after the XXXX of each month. I pay my mortgage, but I 've accrued late fees. ( {$1600.00} ) I contacted XXXX XXXX, XXXX, the representative told me she could not discuss the loan because it 's still in my deceased husbands name. Suntrust never took my husband name off the loan. 
What can I do to stay in my home?
This collection company continues to misrepresent the age of this debit. This account initially was delinquent with XXXX in XXXX. They are reporting that the debit was from XX/XX/XXXX to XXXX. XX/XX/XXXX I have a statement that represents that at was at the very least 6-month delinquent. They are not reporting an initial account date with XXXX just that this debit was opened with them in XXXX.