WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX It has been since XXXX XXXX, 2015 that I first applied for the refinance. As of today, no decision or counter offer has been conveyed to me. It 's not a new loan and I am not a new customer to Citibank ; my home loan is currently with Citibank and has been for the past several years. 
Each week, you have requested something, and I have provided the item requested ; I would then get a phone call requesting the same item. My response was, " it is in the email that I have sent you. " I have sent an email last week, requesting a response, to no avail. 
I find this process and lack of responsiveness unbelievable. At this point, I believe this lack of responsiveness should be elevated to a Manager, as well as the OCC because I am complaining very loudly regarding the treatment or lack thereof by Citibank. 
Unfortunately, your email to me is very misleading, the service in neither smooth nor easy. And the customer service is very poor, which is in direct contradiction to the statement in the Citibank email. 

XXXX So, since I have sent the above email, the Manager is working on my file, asking for the same things previously provided and a new loan number was issued, but no new disclosures. This is a consumer transaction. I sense compliance violations. 


XXXX Last week, I have received a call from the new loan processor regarding obtaining proper insurance needed on my refinance loan with Citibank. My comment to her was, my loan is currently with Citibank, and they have forced placed the proper insurance needed and is charging me each month. 

XXXX Now today, I get a call and she tells me that the insurance ( that Citibank has forced placed and charged me for ) is unacceptable. My problem is Citibank has forced placed insurance on my loan, and now Citibank is telling me that the forced place insurance is not acceptable. If the insurance is unacceptable, why is Citibank charging for something that is not needed. 

It has been more than 3 months for Citibank to make any kind of decision and to process a refinance request where the existing loan is with Citibank, and now the forced placed insurance by Citibank is unacceptable by Citibank that I am paying for. 
Dealing with Citibank is a NIGHTMARE.
I have sent several letters to Equifax along with proof to validate my claims. I have also written to you several times about Equifax reporting practices. I have now on the most recent file they sent me a incorrect address, Public Record, and two items from a collection agency. I have sent letters proof and made phone call to them on XX/XX/2018 and they have failed to correct the errors. On XX/XX/2018 my report listed six collection agencies with no Name of the original creditor and several of them with a XXXX  amount. I sent in a copy of the letter where from the state where the account was paid in full to the original creditor. I asked them to send me who, what, proof of how they verified the Public Record. This Florida address is new because that was not on the report they sent two weeks prior. Enclosed is another letter I sent them.
This is Wells Fargo. On XX/XX/2017 their system called my cell phone and left a voice mail lasting 1 minute and 22 seconds without saying a word. I feel this should be considered a form of harassment.
I have been making as high of payments as I can on my Sallie Mae loans. Because I am not paying the full amount they are calling me multiple times a day, yesterday I received 5 calls. They are also sending emailed every single day of the week. I believe this would be considered harassment as I am making payments from every paycheck. I have replied to an email stating they can not continue to harass me regarding my loans as I am making payments. Please let me know if there is anything I can do to stop these phone calls.
In XX/XX/XXXX. I was contacted by a realty company advising me of the different options that are available to me. I was never advised by Carrington that there was others options than going through a foreclosure. My realtor has received an offer on the property. I was recently advised that I was denied to participate in a short sale as my account was to much past due. In XX/XX/XXXX my lender was switch to Carrington. In the past was denied a modification and now a short sale. They are insisting that I have to go through a foreclosure and that there are no other options available. I do n't believe this right or correct. Please help me in anyway possible to avoid foreclosure and salvage my credit in order to proceeding with the short sale of the home. We have a far market value offer we 've received on the property.
Ocwen Loan Servicing , LLC, who I have written to and phone refuses to send me a receipt showing that my XXXX 2015 Mortgage Payment and Escrow Shortage have beenpaid in full. I paid both of these in " Advance '' XXXX XXXX. They still till me that my next payment will be higher in XXXX. I asked them adjust the payment to reflect and they have not done so. My first contact was on XXXX XXXX 2015, at which time the Agent # XXXX said they needed to collect a higher payment. I have cooperated and done everything they asked of me. I requested a Loan Analysis which I received. They refuse to send me a receipt saying it is not possible to do so. I did not receive notice that I had a Mortgage Shortage until they raised my payment. Also they sent me a Escrow Shortage Coupon after the payment had been sent. Even though they gave me a verbal, not a written that they received the payments, they still require me to send in a coupon. I sent today and once again asked them in writing on their coupon to make the requested adjustments.
I submitted a lump sum payment of XXXX on XX/XX/XXXX, for my PayPal Rewards credit card ( XXXX XXXX ). I am not a consumer who will allow large balance to remain on my card. After several days, I continued to notice with each check of my account, that my payment had not been applied to my credit card balance. I was told by the accounting manager today, XX/XX/XXXX, that due to me being a " new cardholder, with no ; credit card payment tenure established ' '' that " large payments are suspect in nature because 'other users have exhibited similar large payment behavior when participating in an illegal activity known as 'kiting ' ''. She also informed me that it is within their rights, per banking laws, to hold a payment that I submit on my account for up to 21 days!! She then added, " but we are only holding this one for eight days ''. Really? 
I am unaware as to what " kiting '' is, but it is n't something I would do, if illegal. I am simply a person who has utilized my card during a family emergency, only to pay it to a balance that would be less than 1/2 of my credit line ( XXXX ). 
This practice is my policy and I 've had no issues with other companies when paying a substantial amount " down '' off my balance in order to keep usage percent as low as possible. 
For eight days, now, my credit card account balance utilization has remained over 90 %, despite the fact that my payment of XXXX dated XX/XX/XXXX cleared my bank. I see absolutely no clear nor concise justification for the failure to apply my payment to my PayPal Rewards Mastercard account. Please contact me with information regarding applicable laws that would substantiate their justification for " placing a hold upon '' a large payment on my credit card. Thank you. 
Kind regards. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
After I graduated from college I could n't afford my loan payments. My original subsidized loan balance was {$32000.00} unpaid interest {$120.00} @ 7 % interest rate current balance as of today is {$73000.00} according to XXXX. My original unsubsidized loan balance was {$30000.00} unpaid interest {$4200.00} @ 7 % interest rate, current loan balance as of today is {$63000.00}. Total loan balance as today = {$140000.00}. How? Why? I 've called several times to tell my lender there is a severe issue with my loan balance. I 've disputed it with all of the credit bureaus. I tried consolidating my loans to lower my payment and get a lower interest rate. I 've called my lender asking why is my balance of my loans so high? I have used forbearance and deferments for years. Finally I tried to file bankruptcy to get an affordable student loan payment. That did n't work. The only good thing that came from that was my Lender contacted me and acted like they were willing to help me get out of default. They lowered my payment for a year, I never missed a payment. They claimed they found a new lender for my loans XXXX XXXX . My payment was {$41.00} initially. XXXX XXXX, 2017 my loan payments went from {$41.00} to {$550.00} on the IBR Plan. I called and tried to see if there were any other options for a lower payment because I have XXXX daughters in college and I ca n't afford the payment. The customer service representative just kept saying there are n't any other options for me with my income and family size because your income has increased. The representatives are so rude and disrespectful, not helpful at all. Terrible attitudes and so unprofessional.
Bank of America is reporting late payments on my account to the credit bureau. The first late payment was in XXXX XXXX, it is XXXX XXXX, XXXX and they should be removed. According to the Fair Credit Reporting Act " Late payments remain seven years from the original delinquency date. A single late payment is deleted at seven years. If there was a series of late payments ( not paid at 30 days, or 60 days, or 90 days ) and then brought current, the payments would be deleted seven years from the first one missed in the series. ''
On   XXXX    , Nationstar Mortgage negatively reported the status of loan account #  XXXX  on my credit report. This account was surrendered an d discharged in   my chapter  XXXX  bankruptcy on  X/XX/2017   .
RE : Medical Collection Dispute File # XXXX dated XX/XX/XXXX Dear Sir/ Madam, I refer to TransUnion Credit Report File # XXXX dated XX/XX/XXXX specifically medical collections as follows ; Please note that the above medical collections are erroneous and should not exist. During the time collection was placed I have an active California XXXX ( XXXX ) Insurance Coverage from XXXX to the present and I should not be receiving these medical bills. See attached Medical Status Report from XXXX XXXX XXXX Eligibility Service dated XX/XX/XXXX, Case Number XXXX.
My ex husband, XXXX XXXX forged my name on a loan modification in XX/XX/XXXX for the property that he was awarded in our divorce. I contacted OCWEN individually and thru CFPB ( Case # XXXX ) in XX/XX/XXXX, explaining the forgery. They did nothing but disregard my complaint saying that the signatures " look consistant ''. I submitted a police report to the XXXX XXXX Sheriff 's Department ( XXXX XXXX, CA - Report # XXXX ) of the forgery in XX/XX/XXXX. XXXX XXXX admitted to the sheriffs department that he forged ( 3 ) signatures on the modification. XXXX XXXX also admitted to the forgery in a court declaration. The XXXX XXXX District Attorney 's office has filed criminal charges against XXXX XXXX and they are currently in the pre-trial stage ( DA Case # XXXX ). OCWEN is now offering to re-modify the loan again probably at the request of XXXX XXXX. I DO NOT CONSENT TO A MODIFICATION WITH MY NAME ON IT. In our divorce decree, XXXX XXXX is required to REFINANCE the property ; therefore removing my name from the loan. XXXX XXXX is a Sergeant for the XXXX XXXX XXXX XXXX XXXX Department, he committed fraud and should not be allowed to remodify the loan. OCWEN should not allow this modification or offer it based on the fraud that was committed.
On XXXX XXXX, XXXX Chase Auto Finance was asked to substantiate a claim for an auto loan on a XXXX XXXX XXXX by providing a true and certified copy of the complete audit trail of the account. A copy of the company 's tax registration certificate was also requested. In response, I was sent a copy of the account statement. I sent another letter on XXXX XXXX, XXXX reiterating the original request and, to date, I have not been given a response.
Equifax was subject to a major breach that included 143 million American 's PII. According to their system, I was one of the individuals affected. I am now a strong target for identity theft as a result.
Between XX/XX/XXXX to XX/XX/XXXX I moved to a townhome and the townhome was offering free cable, so I did not transfer my services with a company called XXXX XXXX XXXX. Between the time mentioned above I went in person to the XXXX XXXX XXXX on XXXX to turn in two cable boxes and 2 remotes. A female customer service employee took them and put them aside. Ask my name and said okay thank you. I left and thought nothing of it. I then saw that XXXX XXXX reported to the credit bureaus in XX/XX/XXXX that I owned them XXXX for services. I disputed the charges for 2 years until finally it was resolved and investigated in XX/XX/XXXX and XXXX XXXX removed it from my credit reports. It appears that XXXX XXXX sold the account or somehow maybe a mistake it was sent to a collection agency again and now they are saying again I owe XXXX. We took care of all this with the dispute in XX/XX/XXXX. Now it ' [ s coming out again and I do not owe this amount. I would like this off my credit report again.
This company continues to make false claims. This is my fourth complaint and I will need to get legal representation. 
Have pulled my credit report today XX/XX/XXXX and this shows reporting as a collection and not paid. I asked for proof rash and Curtis told XXXX to delete the debt and they didnt They said if I pulled my credit it would not show that is also a lie Now I will need to go to court to have them keep their letters claim which is to request XXXX  to delete
I 'm XX/XX/XXXX I filed a dispute with Equifax, XXXX, XXXX on the behalf of XXXX, and XXXX XXXX XXXX I got a response back saying checked by creditors.None of the creditors followed the law by actually checking the accounts correctly because they say closed do to non payment and the accounts were paid in full in XX/XX/XXXX the creditors never corrected the payment information as I ask them to neither. All three creditors are damaging my credit.
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CAPITAL ONE XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX, VA XXXX XXXX ) XXXX ( XXXX ) XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I OWE {$500.00} TO BOTH OF YOUR COMPANIES? This is a formal notice that your erroneous claim ( s ) is/are now disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested.

As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature?

Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

My Contact Info is as follows : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Very simple. I used the card for business transactions XXXX XXXX XXXX   XXXX. I shipped a tv from XXXX XXXX IN XXXX TO XXXX. XXXX   damaged the tv and I never received it. Wells Fargo denied my claim to dispute the {$110.00} charged to me to ship it and I never even received the service. This is not the first time I have tried to get money back from a bad transaction before. I never even got far the rep was so mean and discriminative. They just dont help you. I want my money back. My tv is gone! Damaged. Im in XXXX I can not go back to XXXX for a damaged tv. The tv is stuck in XXXX
I purchased a {$500.00} load it pack for my paypower pre paid credit card on XXXX XXXX. With no prior notice to their customers they added a new level of security to their process called " safe ''. 
The program was not ready to be implemented with all of the issues they were having accessing the safe program. I purchased this card to pay XXXX bills that were due immediately so I closed my account with paypower and asked for a refund check for my {$500.00} reload it pack and still have not received my refund check as of XXXX XXXX, XXXX each time I call and speak with XXXX she assures me the check is on the way and the date comes and goes with no check. I feel I have been scammed by this company and just get lied to repeatedly. XXXX months is not acceptable time for a refund.
XX/XX/XXXX, A FAX AND LETTER WAS SENT TO VALIDATE THE THE ACCURACY OF A CHARGED OFF ACCT LISTED ON MY CREDIT REPORT FROM XXXX XXXX XXXX XXXX NOW, I REQUESTED THAT I BE PROVIDED WITH INFORMATION AND COPIES BE SENT TO ME THAT WAS USED TO VALIDATE NOT VERIFY THAT THE DEBT WAS OWED BY ME TH THE ABOVE COMPANY SUPPLIED THE REPORTING AGENCY WHEN LISTING THE ACCT ON MY REPORT. PAYMENT HISTORY IS NOT A PROPER FORM OF VALIDATION AND THERE IN VIOLATION OF THE FCRA. XX/XX/XXXX A FOLLOW UP VALIDATION LETTER WAS SENT OUT TO RESOVE THE ISSUE THAT THEY ARE STILL TARNISHING MY NAME AND REPORTING INACCURACIES, I WOULD LIKE THIS MATTER RESOLVED AS SOON AS POSSIBLE BEFORE I HAVE TO TAKE LEGAL ACTIONS.
I deposited XXXX checks in an ATM in XXXX, New Jersey, for the amount of {$600.00}. The ATM had a malfunction which caused them to be not recognized. I informed bank branch personnel about the problem. They entered the amount in the account and said there would be no problem. The bank provided provisional credit but then reversed without informing me. This caused an overdraft that should not have happened.
Experian constantly fluctuates my credit score Despite having flawless credit. Example : my credit score dropped 13 points from XXXX to XXXX in 2 weeks for absolutely no reason? 
It bounces around like this all the time fluctuating upwards of 20 points on any given week despite no changes on my part? 
I have {$50000.00} dollars of unused credit and my bills are very low for someone my age. 
Never had a late mortgage payment, truck or credit card payment etc etc so why is it constantly changing from the 800s ( where it should be and remain ) to the 700s for absolutely no reason?? 
If I dont open any new accounts, miss a payment on a bill etc etc then it should not change like that! 
Total scam!!!!!!!
XX/XX/2016, I used my XXXX card to purchase a dress for {$29.00}. At that time my card had a XXXX balance and my available credit was {$300.00}. About a week later, I returned the merchandise to the store. Knowing that I was back to XXXX balance again I saved my card and I did not use it. XX/XX/2016 I get a bill for late fees that have accumulated since then. I have called the credit card company 6 times and I am not satisfied with their answer. They want me to pay a balance of {$200.00} dollars just late fees. I have been unable to use the card since XX/XX/2016 and I requested them to close the account. The amount was " closed '' but the late fees continue to accumulate. I have made one payment to solve this debt last week and finally they offered to open a dispute today and they tell me that it is going to take 60 days for them to respond to the dispute. Meanwhile, the late fees are going to continue to accumulate. I have asked to speak with a supervisor and a supervisor is apparently never available. The credit card also claims that the balance is due to the assure fees of XXXX cents a month which are creating a fake balance and therefore causing late fees to accumulate. My credit is being affected and I have to pay XXXX dollars that I did not use or benefit from
I try to make sure that student loan account is current whether employed or not. I was not employed at one point encouraged to fill out for a forbearance period ( instead of a deferment so that I was not responsible for the interest accrued due to not having a job ). I was approved for the forebearance for 12 months. 3 months later I was contacted for a payment ( according to them I called but they refuse to let me hear the recording ) asking for a payment. I told them I could not afford to make a payment and was encouraged to make fill out for a IBR. They rep told me since it is income based and I have no income that I wouldnt have to make any payment. There was no mention that my account was still in forbearance which meant I didnt have to make a payment anyway. Turns out at the same time I was using forbearance time as well as under the IBR plan.
Capi tal One filed a lawsuit against me in  XXXX  for a debt that was not incurred in  XXXX . They also sued for an amount much higher than I actually owed. Once I got an attorney to defend myself, they dropped the suit but are still reporting this incorrect amount of debt on my credit report. I asked Capital One during the lawsuit to provide proof that the debt was valid and the amount was valid, but they never provide d anything.
Unauthorized party is showing a charged auto loan account which I never agreed to in principal, theory, or endorsement. I request this item to be removed from my credit profile immediately.
I requested payment relief, and it was granted to me. Terms were that I would pay {$50.00} per month for the next 3 months, and then resume regular monthly payments. I have paid the XXXX each month, but I have been recieving letters, multiple phone calls daily from a collection agency, and it has been reported on my credit report that I am past due on my payments. This is the second time this company has done this.