WillisBack/dataset-financial-user-claim huggingface dataset:
Back in XX/XX/XXXX or XX/XX/XXXX, I contact XXXX XXXX per a late payment reporting on account. I was confused because I knew I had auto draft on my account so there was no way for me to have a late payment status. I called the company and at first two agency could not find the late payment status. After research it was discover that because I have two accounts with the company ( store credit card and a mastercard ), one account was not on auto draft. I was very upset at this point because I was in the middle of closing on a new home. My loan officer told me not to pay off the card balance due to me being in the process of closing on the home. Once I received this remark and spoke with a supervisor I told them that it had to be a big mistake and I was willing to make the payment in full so I can have this removed from my account. The supervisor stated okay, no problem fax over a dispute letter, notes will be in the system and I should be fine. Being told to write this dispute letter for removal of the negative remark, I told the supervisor okay as long as the remark will be removed. The payment was made and I faxed over the dispute letter with detailed information. I receive an alert from XXXX XXXX that the account was removed and than place back on my credit report. After about 5 days the credit report was updated to the status of paid in full but the negative remark was not removed. My loan officer stated because of this action I was not able to close on my home. This was embrassing, hurtful, and I gave up on trying to get a new home. At this time I am trying to get a new home because my current home has been affected by hurricane harvey and I need to move. I am asking anyone to help me have this negative remark removed from my account if possible. I hate that I had to file a complaint but I do n't have a clue on any other way to get XXXX XXXX attention. My account is still open and I have not used it at all.
USAA has reported me to XXXX and XXXX for fraud. It is prohibiting me from getting a bank account and they refuse to lift it even after I clearly explained to them the error I made in processing an online transfer. They are costing me business with banks and I would like the negative reporting removed.
experian continues to report a fraud account from XXXX # XXXX this account was result of fraud from the XXXX  breach and company disputed with XXXX
1. I had a forebearance at Navient for my student loan payment and they reported me to the credit bureaus as delinquent. 
2. Navient told me that all my forebearances, even those that were administrative in nature ( forebearances resulting from time Navient needed to reconfigure my monthly payment because my income had changed ), would count against the total forebearances I was allowed for my lifetime. I believe this is wrong.
XX/XX/XXXX : received mail indicating XXXX XXXX XXXX XXXX XXXX has named me as a defendant in a lawsuit. The amount I'm being sued for is {$56000.00}. This is a private student loan taken out in XX/XX/XXXX.

This mail did not come from the aforementioned party or the agency which bought my debt ( Weltman Weinberg & Reis Co. LPA [ WWR ] ). This mail came from a law firm, with language suggesting I file for bankruptcy.

I have yet to be served for this debt, so there is no scheduled court date.

A phone call with WWR on XX/XX/XXXX had me sending an email containing two pay stubs, two bank statements, and a thorough listing of monthly expenses, in addition to a monthly payment offer I believe I can reasonably make. I was told that my offer ( $ XXXX/mo ) would be either approved, denied, or met with a counter-offer. The counter-offer was nearly double my own ( {$400.00} ), and additionally would require that same amount ( {$400.00} ) from my co-signer of the loan from XX/XX/XXXXthe cosigner being my mother, who is retired and living on social security. My mother filed for bankruptcy herself back in XX/XX/XXXX, at which point she and my father lost their house and now rent a one-bedroom apartment. I've been told that even with regards to her hardship, the party will continue to pursue my mother for this debt that should have been discharged.
I was approved for a loan modification in 2014. I made my trial payments, then suddenly Ocwen started returning my payments. When I asked why they replied my funds were n't certified or something to that effect. I contacted them again about my payments being returned and they said my loan modification was still being processed ( mind you I 've been approved and made my trial payments ). I recieve a letter stating my modification was disapproved ( mind you I 've already been approved last year ) I contact them again, I revieve a letter saying there is " an issue with my mortage title that will not allow me into the program. I contact them to inquire what the issue is with my title so I can straighten it out, I then recieve a letter saying my appeal is being reviewed. 
I never appealed an application which was approved. How could I have been approved last year with an issue with my mortgage title? How can I be disapproved for a program I 've been approved for and have not missed making a timely payment since then? 
Basically all I want to do is be on track with my payments, Ocwen accept my payments and move on with my life with the security of as long as I do my part I will continue to have the same roof over my head.
On XXXX XXXX, 2017 {$1100.00} appeared as a dept on my XXXX part of my credit score as being in collections. I do not owe this and never have. After research and contesting this I learned Commonwealth Financial ( who filed this ) is guilty of falsely submitting items like this many times, especially after consumer had just applied for a XXXX XXXX " fix your credit '' credit card. ( which I had just applied for ). Then they falsely put a debt on there and they offer to help fix your credit. I have contested this. Thanks
To Consumer Financial Protection Bureau, I am submitting a claim related to wrongful advertisement and deceptive business practices from Citi Bank in regard to their Citigold bank account. 
In XXXX/XXXX/XXXX, I submitted an application for a Citigold bank account using promo code XXXX which I had received from Citibank. This promotion was for Citi AAdvantage Platinuum Mastercard customer, which I am. 
The promotion was set to end on XXXX/XXXX/XXXX. Knowing that the application may not be approved before the New Year, I had confirmed via phone with a CitiBank representative on XXXX/XXXX/XXXX that the application will be processed before the expiration date of the promotion, and that I qualified for the bonus offer of XXXX XXXX Advantage points upon meeting the promotion requirements : " Within 60 days, complete a purchase of {$1000.00} or more with your Citigold Debit card and perform 1 or more bill payments for 2 consecutive calendar months '' I confirmed via phone again in XXXX, at activation of my account, that I qualified for the promotion. 
In XXXX, after meeting the promotion requirements, I contacted Citibank via secured message to inquire when to expect the points to be posted on my XXXX XXXX account. XXXX XXXX XXXX, Citigold Customer Service, confirmed on XXXX XXXX XXXX that I " [ had ] completed all requirements associated with promotion code : XXXX '' and calculated that the " the bonus miles will be credited to [ my ] XXXX account by XXXX/XXXX/XXXX ''. 
Not seeing the points on my AA account by the end of XXXX, I reached again via secured message, and this time received a correspondence from XXXX XXXX XXXX that CitiBank will open a review of the promotion offer, under case number " XXXX XXXX '', despite the fact that it was confirmed previously that I qualified for this offer. 
On XXXX/XXXX/XXXX, I followed up again via secured message, and received a response from XXXX XXXX that the promotion department is experiencing delay in their investigation, asking me to allow more time to receive the results. 
As we are now two months past when the points should have been posted, I am submitting this complaint for the Consumer Financial Protection Bureau to investigate the business practice of Citbank. 
Furthermore, I am requesting Citibank to Honor the set promotion and promptly post the earned points to my AAdvantage account Waive all fees for this account from the period starting XXXX XXXX XXXX and until the points have been posted. 

Thanks! 

XXXX XXXX. 

Attachment Screen capture of application Secured message communications with Citibank employees regarding this matter
Hello, I am currently in bankruptcy a repayment plan, resurgent capital services has one of my debts which is a motorcycle loan. My attorney gave them permission to speak with me regarding the payoff on this loan to get the lien release for title. I made payment arrangements for the balance. So I sent them a check for half the amount and I called them 8 days 9 and 10 days later and they said they never received it. So I then made the payment in full with my debit card and told the lady handling my account to not cash the check as I was cancelling it. Not even a day after I paid the balance they cashed the check resulting in a overpayment and my account to be overdrawn. They are telling me they can not refund my money!? Please help
XX/XX/XXXX - I opened a checking account at Citi bank in a branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, they promised me {$300.00} USD promotion if I 1. Deposit {$15000.00} 2. Maintain a minimum balance of {$15000.00} for sixty ( 60 ) consecutive calendar days I signed the XXXX form on-site XX/XX/XXXX - The lady XXXX XXXX who helped me open the account emailed said that there's a problem with the XXXX form I signed, they want me to visit and sign again ( email attached ) XX/XX/XXXX - I visited their location at XXXX XXXX XXXX, signed the XXXX form with updated notice on it. 

XX/XX/XXXX - XXXX sent me email again said there's a problem with my XXXX form, want me to visit and sign again ( email attached ) XX/XX/XXXX - I visited their office again and signed the XXXX form again XX/XX/XXXX - The {$15000.00} fund was deposited ( statement attached ) XX/XX/XXXX - The {$15000.00} for sixty ( 60 ) consecutive calendar days reached ( statement attached ) XX/XX/XXXX - I need to use the money, as the deposit days have already reached 60 days, I reached out their customer service and asked for back account downgrading to Basic Banking package. This package requires - A direct deposit AND a qualifying bill payment OR - Having a combined average balance of {$1500.00} Their customer staff promised me that I can withdraw my money, and they will waive the service fee before it downgrades to Basic Banking page. And it should be effective in like a week. 

( live chat dialogue attached ) XX/XX/XXXX - I still didn't see the {$300.00} bonus they promised, but I noticed that they sneak in a $ XXXX Monthly Service Fee on XX/XX/XXXX. I contacted their customer service again. This time they claimed - Downgrading account would disqualify account for receiving {$300.00} bonus - Downgrading seems not completed as there's a pending promotion - It could take 90 calendar before the bonus deposit - They agree to waive the {$25.00} USD fee ( live chat dialogue attached ) XX/XX/XXXX - I still didn't see the bonus, and their online chat system seems to be broken, I called Citi Online Bank Support at XXXX, asking why the bonus is still not here. They claimed that they didn't receive my XXXX form, and that's why my bonus is still pending, and of course that's not true, I signed XXXX multiple times, I thought that may be just this bank 's internal communication problem, so I agree to send them a XXXX form again. 

XX/XX/XXXX - I signed a new XXXX form and mailed to the XXXX XXXX XXXX they provided at Citigroup  XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX XXXX, SD XXXX The tracking number is XXXX ( XXXX XXXX XXXX XXXX ) And according to the record, it was already delivered on XX/XX/XXXX XXXX XXXX. 

XX/XX/XXXX - I checked the checking account, still didn't see the bonus, but found that Citi Bank sneaked {$25.00} USD monthly service fee again on - XX/XX/XXXX - XX/XX/XXXX even my account has {$1500.00} balance all the time.
Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me, some with multiple dates of inquiries. I have had a security freeze on my credit report since XX/XX/XXXX due to identity fraud and request for anyone that pulls my credit that they should contact me. I sent certified letters on XX/XX/XXXX in regards to this issue and have not heard back from Experian and XXXX . They are all dated for the year of XX/XX/XXXX and XX/XX/XXXX. I would like for the below inquiries to be deleted. '' I have explained myself about my identity being compromised and a possible email being breached several times. I even had to call to remove addresses that I 've never lived. Please remove the below unauthorized and fraudulent inquiries or send me validation that these were authorized by me. Inquiries : 1. XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 3. XXXX XXXX  XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX
The debt collection company is reporting negatively to the XXXX credit bureaus regarding a debt that was settled with the original creditor. I have submitted enclosed copies of proof of payment and sent both by fax and mail that the debt was no longer collectible and requested the account be removed from all XXXX credit bureaus.
The Lender - East West Bank, XXXX. and its management XXXX XXXX and XXXX XXXX retaliated against me for filing a complaint of discrimination on my mortgage loan account last year and filing an civil action thereafter. In XXXX XXXX and continuing to-date the company and persons shown above assisted by ex-boyfriend XXXX XXXX XXXX and his attorney XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX in having my XXXX ( XXXX ) year-old daughter XXXX XXXX XXXX from my home and placing her in XXXX with the XXXX from XXXX XXXX, XXXX through XXXX XXXX, XXXX. Upon completion of the XXXX they caused the related court attorneys and Judge to transfer the custody of my daughter to XXXX XXXX. As a result of their actions me and my daughter have been severely harmed as we are not alienated from each other and she can not come home to me. They also limited our visits to see other. From what I know now, the Bank/mortgage lender and its management may have caused my ex-boyfriend and other persons/tenants to target me as they all know each other and the property is now owned by them along with the bank management or associates of the same. The property amounted to more than {$5.00} XXXX dollars. Additionally, me and my mother have been physically harmed as a result of their intrusion even though the police authorities have failed to investigate the matter and mislabeled it as me " having an XXXX '' along with my ex 's attorney XXXX XXXX. It appears that there has been an increased trend in this method of attack on the debtor 's family to steer them from continuing to handle the mortgage payments/prosecute wrongful foreclosure. Additionally, it appears that persons hired by them have caused for the taking of financial records to examine the financial ability of the clients to overcome the foreclosure and allegations of mortgage lates. Finally, XXXX property located at XXXX XXXX XXXX, XXXX XXXX, Ca XXXX was foreclosed upon and I was wrongfully charged with a {$4000.00} appraisal and other charges of more than {$10000.00} without warrant, and management was associated with the buyer who cancelled escrow leading to the property foreclosure. Finally, the bank 's management caused for an intepleader action to be filed so I would still incur attorney fees from the proceeds of the foreclosure sale. To-date the funds left at their disposal even after XXXX XXXX XXXX XXXX or more months following the foreclosure.
Your school falsely certified your elgibility to recieve the loan based on your ability to benifit from its training, and you did not meet the ability to benefit student eligibility requirements
In XXXX XXXX XXXX, a traditional IRA 2-yr CD ( Certificate of Deposit ) that I had with CIT Bank matured. Since CIT was no longer servicing IRA money they did not have any traditional IRA CDs to roll this money into. So they set up an IRA saving account that had a low rate and transfered my money into this account when the CD matured on the XX/XX/XXXX. Currently I 'm trying to transfer the money into a new bank ( XXXX XXXX XXXX XXXX ) that services traditional IRA money and CDs. I went to one of their branch offices and had an officer of the bank fill out a Traditional IRA Transfer request to transfer the money out of my CIT Bank traditional IRA saving account ( via check ) to XXXX XXXX XXXX XXXX. On XXXX XXXX XXXX I called CIT bank and spoke to a representative and explained that I was mailing a Traditional IRA Tranfer request and to find out if the Transfer document need to be notarized. She informed me at this time that the it would take 2 to 5 business days to process the Transfer. I sent the Transfer document on XXXX XXXX XXXX overnight mail and it was received by CIT on the XX/XX/XXXX. I called CIT on the XX/XX/XXXX to find out the status of the Transfer. It is at this time that the CIT representative informed me that the Transfer was still being processed and that also it would take an additional 5 to 10 business days to mail the check to XXXX XXXX XXXX once the Transfer document was approved. Thus I received inconsistent or partial information from the first person I talked to at CIT on the XX/XX/XXXX and the XX/XX/XXXX CIT representative on the XX/XX/XXXX. Since CIT was no longer offering Traditional IRA services, the time required to Transfer the money should be expedited since I was on the phone with CIT on 2 different occasions and they new what my intentions were. This delayed processing time appears to be nothing more that a blatant attempt to maximize their use of my money while behind the guise of processing time. The Traditional IRA Transfer application is only a 1-page document and should not take 2 to 5 days to process. Additionally, 5 to 10 days to cut a check and mail it to another banking institution is equally inadequate. Also if I had been given complete and accurate processing and mailing time I could have made other arrangements with another bank ( XXXX XXXX XXXX ) to make the transfer by wire of the Traditional IRA money.
Before I graduated in XX/XX/XXXX, I was unable to make any student loan payments. During that time, Navient began capitalizing my interest ; so now my ~ {$40000.00} student loan is {$87000.00} ( it was more, but I've paid some of it down ). When I make payments, the majority of my payments go mostly, if not all, to interest ; so my principal hardly ever goes down. While I was a graduate student, Navient called me incessantly on the phone for me to make payments. I constantly told them I had no income other than a graduate teaching stipend ; they offered to reduce my interest rate to 1 %, which allowed me to make minimum payments. In XX/XX/XXXX, Navient increased my interest rates to between 11 % on some private loans to 14 % on another. Over the last 24 months, I made 37 payments ( 13 more than required ) totaling {$12000.00} ; 15 of those payments of {$6400.00} went solely to interest ; none of the 15 payments reduced my principal. Of my last 15 consecutive payments of {$7600.00}, {$200.00} went to principal while {$7400.00} went to interest. Of those last 15 payments, 9 of the payments of {$5000.00} were applied to interest only ... none of it went to principal. My payment history for the last 24 months, showing 37 payments, is included in this complaint. I called Navient two weeks ago to negotiate a lower interest rate ; I also asked them if I could get these loans refinanced by another company would they reduce the capitalized interest to what it really should be ; the customer service representative told me they only do that if I am in default ; they will not negotiate any lower interest rates or reduced interest costs if I am current on my loan. My loan principal is barely receiving any of the funding I am sending. My monthly minimum loan payment to Navient is {$870.00}. However, many times my minimum loan payment is applied to interest only, so loans I took out when I was XXXX will not be paid off until I am XXXX even though I am sending every paycheck to my student loan providers. According to Navient, my only option is to stop making payments with them to force them to negotiate a better rate, which sounds ridiculous. I am being gouged. How can the CFPB help?
Chase bank closed one of my accounts suddenly. I had deposited checks in the account which has cleared before they closed the account. I have called numerous times and get the response that it was closed due to them flagging it as fraudulent. I was to meet two terms to be able have the funds released. I met both but yet over a month later no funds have been returned. They closed the account on XXXX. I have a statement showing money that has been withdrawn out of the account. they state they need to verify one more check before releasing funds. I am assuming over a whole month is enough time to ensure the check is good. The Checks were signed over from my father who also verified with the bank that it was no fraudulent that he had given me the checks as a b day gift and to help pay my car payment.
Wells Fargo Home mortgage are dragging their feet sending me modification application documents .I believe they are stalling because they want foreclosure procedings to expedite that are currently in the works in XXXX.I requested modification documents weeks ago /At this pace Wells Fargo will have received their judgement through XXXX and have foreclosed and the deed be transferred before get these documents This is purposeful and placing my home at risk
I got a letter from XXXX today on behalf of LVNV Funding LLC on a debt from XXXX XXXX XXXX XXXX. No Full Account number listed. Since LVNV Funding LLC could not provide verification of debt on the last one they sent out I am sure they can not on this and the only verification I will accept from these are the followingSigned copy of the contract, Fully payment history, last payment madethis is notice that this is disputed and they are in violation of consumer protection rights actually. I never heard of this company and all of a sudden they are sending my info out to several companies : XXXX Capital Services XXXX XXXX Capital Services, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX - all of these are XXXX. None of these companies have I ever heard of or from. Since my last cc was paid off in good standing they have to prove to me that I owe the bill and not just expect me to pay a bill they say I owe in their computer system because anyone can type up information and put it in their computer.