WillisBack/dataset-financial-user-claim huggingface dataset:
1. I applied for the refinance of a loan on an investment property with Citibank. The marketing person gave loan cost info that was substantially below what actually was charged and told me he would see the loan through the entire process. He did not!!! The service dept. was " on its own '' and with no XXXX checking on the status of the loan, the loan processor got a new position and apparently did not tell the new processor that the XXXX pages of documents I had faxed on 3 days demand which were to go to underwriting, were in the file! When the new processor asked for the same docs, I informed her I had a receipt from 10 days previously. She said she had no documents. I called her supervisor who found the documents! I was also told just before closing that I had to obtain insurance coverage for the Assn. Master policy and the co. to call. That Co. was surprised that the lender did not make the request ( typical I was told ) and that I had to pay them for it ( the usual payment was through escrow ). When the closing documents were presented late on the date before closing from Citi 's closing dept, there were many errors! I came to escrow early knowing extra time would be needed to repair the errors. The errors were not corrected timely and I paid 3 more days at the higher rate from the previous lender. 
The marketer 's answer : no big problem and not to worry about it and no one will do anything about it. His supervisor told me he was sorry and gave me your email. A friend told me she had had the same experience with Citibank and the servicing dept., about the same time, although we each had a different marketing salesperson. 
A less experienced or sophisticated client would end up paying substantially more for their loan, perhaps going beyond the guaranteed interest rate date, due to sloppy management.
To Whom It May Concern:
I am writing this letter in the hopes that I can get some sort of resolution of the issues that I
am presenting to you.  Over a period of years, my wife and I have acquired a few properties, namely our XXXX home which we decided to rent out, our primary residence and an investment property (XXXXplex) in XXXX and our home in XXXX.  The mortgage to these properties were financed through XXXX Mortgage.  At some point in time, theses were acquired by PNC Bank.  At the time of the economic downturn, I reached out to the banks to attempt either refinancing or modification of the loans.  My credit rating at the time was XXXX plus.  I was informed that in order to qualify I would have to be delinquent and that refinancing was not an option because I had more than XXXX mortgages.  We began the modification process and after a year of repeatedly sending and resending documents somehow I received a modification agreement on XXXX property.  By the XXXX month of trial period just before the modification would have begun, PNC abruptly closed the account.  They stated we had broken the agreement, which was blatantly false and would not offer an explanation or discussion on the matter.  The property was immediately sold at auction.  Thankfully we kept a paper trail in anticipation of being defrauded in this process.  We hired attorneys to help us navigate through the short sale process on our original primary residence.  PNC  delayed the short sale process for over XXXX months with a qualified buyer waiting.  This home was also foreclosed on, so now we are down to one last trial and tribulation with PNC.  Even with a team of attorneys we have been unable to complete the modification process for over XXXX years.  I attempted the process alone for 18 months without legal representation.  So for close to 4 years we have been in limbo with respect to our primary residence.   Imagine our surprise or lack of surprise when we received a $XXXX settlement from the XXXX for discriminatory practices.  These last XXXX years have been hell on my wife and me.  After reading our situation we hope you can help us get this settled, for you are our last hope.  Thank you for taking the time to read this and I hope to hear from you soon.
Navient incorrectly calculated monthly payment during annual recertification. They calculated payment twice as high as it should have been. Then Navient excessively delayed recalculation past due date of monthly payment and demanded late fees as a result of their delay.
When I signed the papers, every time it said no penalty for early repayment, the agent put his finger on the page to point that out, so his finger hid the next line, which said : but you still have to pay the interest for the full term.
My student loan is currently being serviced by Navient. I currently pay {$200.00} dollars per month. The customer service representative has tried to steer me to making payments in excess of {$500.00} per month. Further, I do not know the formula they use for repayment. They ask me to show proof of what my salary is, but they do not take in account cost of living in the XXXX part of the country which is some of the most expensive in the nation. 
Not to mention, the incessant phone calls to my home, place of business and family members!
This is the second CFPB complaint I am filing because I have not heard from American Express and my second try at coming to a resolution with customer service was unsuccessful. I recently tried to transfer XXXX membership rewards points to a partner airline program, but my request was rejected by the system. The system notified me that my point transfer was denied because my account was membership rewards were under review. I contacted membership rewards and a representative tried to help me transfer the points over the phone. They were unable to transfer the points and received the same message about a review, so they transferred me to customer service. A customer service representative then told me that membership rewards had to help me with membership rewards-related issues, so they transferred me back to membership rewards. The new membership rewards representative again tried to transfer the point over the phone, only to be met by the same notification that my points were under review. After a lengthy hold, the representative was able to explain to me that my membership rewards were undergoing a " standard review '' and that this was normal. I have never heard of this happening to anyone else I personally know who has American Express membership rewards. For context, I earned the XXXX membership rewards after meeting minimum spend requirements as part of a promotional sign-up bonus. All of my spending has been through legitimate purchases and I have never participated in manufactured spending. My understanding is that American Express has stated in its promotion terms that it reserves the right to review the promotional bonus in the 6-8 weeks after the bonus posts to the account. My XXXX membership rewards bonus posted on XX/XX/XXXX. It is now XX/XX/XXXX. We are well beyond that 6-8 week period. I find it extremely unfair and disturbing that American Express would arbitrarily choose to freeze what a customer does with their legitimately earned membership rewards after the standard review period has passed, under the guise of a " standard review ''. I am very disappointed in American Express ' business practices regarding this issue, especially considering that I wanted to transfer these points before a significant loyalty program point devaluation. American Express was unable to provide me a timeline as to when the " standard review '' would be completed, but I have read online from other victims ' experiences that this process can take up to 2 months. The only reason I even signed up for the American Express card in question was to use the promotional sign-up bonus to transfer to points to the loyalty program before the devaluation. Clearly that is no longer a possibility and I feel as if I have been duped by American Express into signing up for one of its high annual fee credit cards after being offered a misleadingly restrictive rewards program.
I am extremely upset as a 21-year customer of Citi 's credit card services that they have recently decided to become politically active and begin discriminate against XXXX manufacturers engaged in legal businesses, bowing to the anti-American policies of so-called progressives. This discrimination against companies that refuse to sell arbitrary classes of firearms is illegal and any and all federal contracts must be pulled from private enterprises that engage in such age discrimination.
Constantly Called my place of employment and left a threatening message on work phone. Very vague and just stating " It would behoove you to call me back at XXXX ''
I was writing to inform you that there are still items are my credit report that are not mine. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC . XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX.
I 've been trying to submit complaints to XXXX for months to no avail. They are failing to investigate the inaccuracies i am finding on my credit reports. Can they do that? I 'm sure there 's no possible way for them to suggest that my letters are not coming from me. I 've also contacted the creditor XXXX and they failed to respond as well. Is that legal? Can they do that? Just ignore my disputes like that? 

XXXX # XXXX This account is listed under MEDICAL. I 'm sure i 've never given ANYONE permission to share my personal medical information. I take that very serious. I 've contacted XXXX and requested a medical release form THEY IGNORED ME. There 's no way possible this account can be verified if they could n't verify it to ME. Please remove. 

# XXXX XXXX XXXX # XXXX I have NEVER done business with nor have i been contacted by this company. This company has NEVER reached out to me about this debt Clearly they have made a mistake. Please remove this account.
Discover Financial Services posted a negative statement I was late in making a payment. Not true -- XXXX XXXX XXXX of XXXX, XXXX issued a legal document, and notified Discover Credit Card that I do not owe them the UNAUTHORIZED charges they originally submitted back in XXXX 2015 for {$1400.00} and {$450.00}. 

I never did business with this company other than get an estimate via phone with XXXX XXXX. I believe that their Quality Assurance guy XXXX, after talking to my son, may have been the culprit for these postings the next day. 

I faxed all the executives in IL a copy of the legal document and also mailed a copy to their Dispute Center ( which incidentally told me via " XXXX '' to stop sending them emails ). I got no confirmation from them that they received this document. I called XXXX XXXX XXXX to help me, but apparently there was nothing they could do according to them. 

Discover has ruined my pristine credit of many, many years. I am recovering from XXXX in XXXX, XXXX and longing to go home to my state of XXXX and get proper medical treatment. 

Please help me. Thanks.
Received a letter on XX/XX/2016 from XXXX XXXX XXXX XXXX stating that I owe {$1300.00} for new carpet from an apartment that I had moved out of. At no point, was I ever given an opportunity to settle or dispute this amount prior to going into collections. I wrote a letter to XXXX  XXXX on XX/XX/2016 requesting a summary of charges for the damages or receipts and they could not produce. I have no proof that these charges are valid. Now this dept is entered as a collections on all 3 of my credit reports.
Equifax mishandled my personal data, and I was listed as a potential victim of their data breach from the security website they set up : www.equifaxsecurity2017.com/ This kind of gross negligence is absolutely staggering, and their response to the breach so far has been poor at best. I am now at a huge risk of identity fraud, and will be for years to come following this incident. 

Equifax waited weeks to inform the public that they could potentially be compromised, all while their executives were allowed to sell millions of dollars of stock. 

I want my data protected, and I want Equifax held accountable. A resolution to this situation needs to be swift and comprehensive.
My credit report from Equifax falsely represents dates of the deed in lieu of foreclosure from XXXX Bank and XXXX Mortgage that completed in XXXX and XXXX of XXXX. Equifax have on several occasions and currently, represent this information as XXXX and XXXX of XXXX. This is incorrect and " resets '' the start date of this information. I chose this option as the only means to leave this property in a period in which I was laid off. Fair Credit Reporting gives me the right to have this information represented correctly. XXXX very large result of this misinformation is the lack of ability to purchase any property for XXXX years form the default date. If this date is changed again and again incorrectly, I clearly do not qualify to purchase. Please help. Thank you.
We have a signed purchase agreement with nationstar bank on a bank owned property which they now refuse to honor. They lost the DIL for over a year and now have a replacement deed. they will not even talk to us at this point and are trying to resale the property right now. We are ready to close on the property.
TD Bank has continued to allow my account to be overdrawn, has not refused any transactions and now has charged me over {$500.00} in overdraft payments.
Dear Credit Bureau, Regarding the following account ( s ) : XXXX XXXX / XXXX   # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX Federal law requires that the credit report bureaus ( Trans Union, XXXX, XXXX  ) that you provide mechanisms to ensure that eachitem on my credit report actually belong to me. If the above are inaccurate, misleadinging, or incomplete, you have violated federal law. I expect you to make a reinvestigation immediately, My social is XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
I received my annual credit reports from the XXXX reporting agencies, XXXX, Equifax, and XXXX XXXX. I noticed numerous inquiries from companies I did not request credit from. I phoned the companies, of which the biggest offender is XXXX XXXX. I had XXXX inquiries on the XXXX report, and several on the other XXXX agencies. I spoke with a representative at XXXX then his supervisor, explaining I wanted them to remove me from their lists permanently. They asked me for my social security # & other personal information. I also phoned & I then wrote to XXXX XXXX as well, opting out in writing. I explalined I did not want them to review my credit unless I desired to borrow money from them or use one of their products. I have a bank issued credit card and DO NOT wish to do business with these people. I also phoned your agency and spoke with a representative to discuss the matter. She suggested I file a complaint not only against XXXX XXXX, but against XXXX and the other agencies, as well, since they are allowing the inquiries. I am frustrated and dismayed that consumers have NO protection against these predators. Absolutely NO ONE should have access to my credit unless I initiate a relationship with them for the purpose of borrowing money. I do not want to see any more inquiries on my credit reports unless I have given written permission to a party to do so. Someone MUST STOP these companies and protect consumers. This practice should be illegal. It is appaling.
The number XXXX XXXX XXXX called me from the financial institution CHASE saying that I had a credit card issued in my name from XX/XX/XXXX with a balance of $ XXXX-XXXX ( I do n't remember the exact amount ). I never checked out a card from them or been to a CHASE, there is n't even one near me. A little bit of research online has led me to believe that they are Scammers, but I am unsure how to go about it. 

They 've called me Mon XX/XX/XXXX and twice today on Fri XX/XX/XXXX.
I sent in a payoff check to capital one auto because I refinanced my vehicle with XXXX XXXX. I sent the check on XX/XX/XXXX for {$10000.00} via certified mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX. I confirmed that they received the check on XX/XX/XXXX via tracking number that was given to me and it showed that they signed for it however it has not been cashed. I've contacted capital one daily in regards to this matter. Capital one also confirmed via tracking number provided XXXX that they received it but still cant tell me where the check went. They then instructed me to do a stop payment on the check and have the bank reissue the check. Before doing so they also advised that since it was lost by them it will be backdated to XX/XX/XXXX when they received the first check. I did as I was instructed and when I spoke to a rep on XX/XX/XXXX they stated that the payoff will not be backed and I have to pay additional interest because the check that I sent wasn't a payoff check. The rep still couldn't explain where the check went or why it wasn't cashed and is blaming me for their mistake at this point. I just sent a new check on XX/XX/XXXX after waiting 2 weeks for them to cash this check and I causing a hardship because my credit was impacted due to 2 loans being opened. I'm in the process of buying a house and this issue is causing problems with closing on the home. I beg of you please help me.
I have disputed this account with 3 credit bureaus and the information is not correct. I asked them to remove this account due to no debt validation and it has not happened. It comes back as verifired when it really according to law was not. According to 2 credit bureaus it is showing as a closed date of XX/XX/XXXX but opened XX/XX/XXXX. How is it possible to be opened in year and closed 2 years in the past. Information is not correct and it was removed from one report and added back without letting me know that it would be. Why would a company state the information is correct if the close date is XX/XX/XXXX but it was opened in the future? that makes no sense. This company has yet to send me ANY type of validation to me at all. I want that postage and date it was sent to my home of when they sent it. I have yet to get anything at all. How can you as a consumer bureau acknowledge the fact that on my report my actual credit report it states the reported CLOSE date was 2 years BEFORE IT WAS OPENED. IF I AS A CONSUMER ASK FOR THIS TO BE INVESTIGATED AND BECUASE IT IS CLEARLY WRONG INFORMATION ON BOTH REPORTS IT IS REPORTED TOO IT SHOULD BE REMOVED. PER LAW I AM GRANTED THAT BUT TO SAY IT IS CORRECT IS WRONG. THERE IS NO WAY THAT AN ITEM ON MY REPORT SHOULD BE CLOSED 2 YEARS BEFORE IT WAS OPENED. IT MAKES NO SENSE AT ALL
Equifax carelessly mishandled my personal information which has put me and 180 million other people at risk of identity fraud. The fact that I have never personally used any Equifax service and the fact that I was never notified of this and only found out a month later through news outlets makes me feel helpless and this situation seem unfair. Even now the amount of effort and money I have to put towards trying to secure this information and freeze my assets is somewhat absurd and should be entirely absorbed by Equifax, not placed on the consumer. Words can not describe how disappointed I am in this system and how imperative a change is.
XX/XX/2017 I reviewed my credit reports and found that there was an inaccurate report of an account that was not mine. 
As a previous victim of ID Theft on XX/XX/2017 I contacted the company reporting the account in writing and delivered by certified mail requesting full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation included competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay you. 
I made it clear in my letter that the negative marks found on my credit report from the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated you must take steps to have all reporting bureaus delete this entry.

I have received no response from Transworld System. It has been over ( 7 ) months from the date of my dispute which is over the 30 days time frame making this company out of compliance. Under advise, I wish to informed Transworld System that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
I opened a Lowe 's credit card underwritten by Synchrony Bank/GE Capital. I set up an online account for the card and opted to receive paperless statements, notifications, etc. 

A few months ago, when I went to log on to my account the day before my payment was due so that I could make a payment, it seems my password, as I remembered it, was incorrect. I requested to reset my password, and was told by their server that a password reset email would be sent to me shortly. After an hour I had not received it, so I requested another one which, again, I did n't receive. For the XXXX time, I again requested and did not receive the email. As a result, I was unable to make a timely payment and was charged a late payment fee, which I believe was the point of the obstruction to me resetting my password. 

I was so upset about it that I refrained from using my Lowe 's card for a few months, even when shopping at Lowe 's. 

Then, a few weeks ago, I made a large purchase at Lowe 's and used my Lowe 's card. When Synchrony 's system notified me by email that my payment would soon be due, I logged on to the Lowe 's Card Site to make a payment ( somehow my password worked this time ). Since I no longer had enough funds in the bank account I had previously used to make electronic payments to the card, I added a different bank account for that purpose. The System told me I had done so successfully, so I attempted to make a payment with the newly-added account. I was also told that the payment was successful, though I never received a confirmation email ( and have never received XXXX from Synchrony for making a payment ). 

Then, today -- a week later -- I get a call from Synchrony 's collections department saying that my account is past due and asking if I would like to make a payment. I tell them I already made a payment online, and they say it was never received. I say that I heartily disagree, and ask if they intend to charge me yet another late fee, and they say the late fee ca n't be waived, because they waived XXXX late fee for me before ( when I first opened the account ) and can only waive one a year. 

These incidences speak of a pattern of Synchrony obstructing it 's credit card customers from making online payments in order to collect late fees, which are a major source of revenue for CC companies. From what I 've read in online forums, they have done this to many others besides myself.
This company is damaging my credit by reporting erroneous late payments. How can a payment be 90 days late within 30 days or with the month prior stating payment history is satisfactory? All these inaccurate negative reporting should be removed. 

Also, I did some research on the FTC website, and it states that this financial company was supposed to notify me within 30 days in writing before or after reporting ANY NEGATIVE INFORMATION TO THE CREDIT BUREAUS. 

I never received any notification. 

Negative Information from Financial Institutions -- If you are a financial institution ( as defined in the Gramm-Leach-Bliley Act ) that extends credit and regularly reports information about your customers to a nationwide CRA ( for example, XXXX, XXXX, or XXXX ), you must notify your customers that you report such negative information. Examples of negative information include a customer 's delinquencies, late payments, insolvency, or any form of default. FCRA 623 ( a ) ( 7 ) ( G ) ( i ) Please See Attached Document Showing Inaccuracies in reporting!