WillisBack/dataset-financial-user-claim huggingface dataset:
This may sound like a repeat or a continuation of my pqast complaints, but in essence this is NOT THE SAME. 
The only part that is the same is that it is my loan with CitiMortgage, Inc. a credit-line/mortgage of around {$500000.00} on my home at XXXX XXXX in XXXX, NJ XXXX. Loan number Loan # XXXX. 
I tried to do a loan modification with Citi now five times over 3 years.

XXXX  has my 2nd mortgage and I managed to do it with them in 2 months. Citi has been a problem.

Unlike the past, when I complained about the details of their denials ( They admittedly denied me based on a mistaken classification of my loan - which they placed as 2nd mortgage instead 1st - which would have guaranteed my approval ), my complaint is that Citi-Mortgage should not  require me to reapply. 
They agreed that they made a mistake. 
They agreed that if not for their mistake - they'd have approved me, based on my correct numbers. 
They agreed that I submitted everything they needed multiple times. 
They agreed that they reviewed my multiple applications and deemed them complete. 
Once in XX/XX/XXXX, 2 times in XX/XX/XXXX and 1 time in XX/XX/XXXX and 1 time in XX/XX/XXXX.

So my claim is that similar to any judicial process, when a side makes a mistake, they reevaluate the submitted and complete filing/application and review it based on the new corrected facts.

Citi knows, by their own admission, that I will be approved based on ALL m

y 5 submissions, now they want me to apply again, or resubmit new 'missing ' items from the 6th application.

I reviewed other people 's complaints and it is common complain, when people feel ignored and mistreated, their filing misplaced, miss-classified or just required to start the process all over again - just to be denied again, by yet new claims.

I consider their behavior in bad faith and I demand the Consumer Financial Protection Bureau - representing my interests against a systematically sinister bad faith and bad reputation organization - to force Citi to do the simplest thing, which will take the least amount of time.

Please demand from Citi Moprtgage to review my previous completed submissions for Loan-Modification, considering my loan being labeled as it is - in first lien. 
I will then be approved immediately. 

This is not to take any money away from CitiMortgage, but to facilitate what they volunteered originally in agreement with the government - to help owners who can - to stay in their houses under new repayment terms. 
XXXX did it immediately and Citi can do same. I will then be able to pay my way and
we'd all benefit from this. 
Otherwise - in Foreclosure, I will have to defend it and claim the mistreatment of my case by Citi and subsequently - ignored by the CFPB. 
Thank you XXXX XXXX & XXXX XXXX
XXXX account number XXXX shows Pay Status Charged Off but still showing a balance and a past due amount. 
XXXX XXXX account number XXXX shows Pay Status was Charged Off, but still showing a balance and a past due amount. JCP account number XXXX shows Pay Status Charged Off but also still showing a balance and a past due amount. 

How can there be a balance and a past due amount on these accounts when they were Charged Off?
Financial Management Solutions are reporting and attempting to collect on a debt that is n't mine. I did n't have anything with XXXX XXXX XXXX XXXX ... I do n't know what it is for or how they are even reporting. I have tried to call both companies & they can not find my info. The debt is past the statute of limitations and its NOT MINE!
on XX/XX/XXXX loan depot, agent XXXX XXXX, called me while I was driving to see my sister who was very ill. Note : loan depot had called me several times and I had informed loan depot that I was not interested and did not listen to any offer. On XX/XX/XXXX, a XXXX XXXX me telling me what Loan Depot could do for me. XXXX informed me after getting info from me that He would be able to refinance my home. The end result is that Loan Depot did the bait and switch. ( refi amount, interest rate, etc. ) XXXX said no problem getting the loan, BUT, he would need {$490.00} for the appraisal. I did not feel good about this but XXXX was very aggressive and informed me that I would get the money back at the closing. I FEEL XXXX XXXX WAS FRAUDULANT IN HIS APPROACH. I could write several pages as the only thing I want back is the {$490.00} appraisal fee. I have contacted Loan Depot and gave me a song and dance about why I would not receive the money back. 
I do not want any more contact from Loan Depot as they are fraudulent in trying to get owners to refi. ( can not be trusted, preying on seniors. I have contacted ATTORNEY GENERAL of STATE of MINNESOTA. I want Loan Depot to be banned from doing financing in Minnesota. I want {$490.00} back plus a penalty because of their fraudulent approach in my case. please contact me ASAP. I am a senior on limited income, I can not work due to injury. I received no copy of an appraisal. XXXX XXXX
I have contacted multiple times, through phone calls, and letters to report that there are unauthorized pulls on my credit. I did not authorize these claims. I have reached out to the companies individual and they were not able to identity me authorizing the credit pull as well.      XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX  Buy  XXXX / XXXX / XXXX  Att  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
Attempted to enroll in auto payment to pay the monthly minimum balance due. Paid the minimum payment on time for several months. Company is now claiming that amount ( that they calculated ) is incorrect and we need to pay {$1200.00} within 3 days to make up for their error. This is the first time we have been contacted about the discrepancy despite us being incorrectly billed for months.
I was called to the front office at my place of employment. They handed me a notice of intent to collect a debit. The main problem was that it was opened for all to read. Almost everyone here gets mail and it is opened and distributed because it is all work related. This was not! This has personal information on it.
I was going over my credit reports Trans Union, XXXX, XXXX and found XXXX  XXXX # XXXX listed on my credit file. I have never seen this account before and I have never done business with this company. I seen accounts from XXXX XXXX, XXXX XXXX, all of which I have never done business with and never received any types of notification for a bill or account status. I have no ideal who has possibly compromised my personal information. I have filed a police report.
I paid in full on the account with XXXX XXXX for the {$290.00} dollars on XX/XX/2018. In the front of the check shows paid in full as agreed when they accepted the terms and conditions when they cashed this check. Also the XXXX rep that made the deal told me that this account will show paid in full and the account will be deleted from my credit report. And that is not the case so I'm now compelled to file a complaint with your company to force XXXX XXXX  to remove this negative information off of my XXXX  credit report and Experian credit reporting agency. And the name that XXXX is reporting of XXXX XXXX XXXX is not my name and is inaccurate information about me. My name is XXXX XXXX  XXXX XXXX is my name.
I had a loan with XXXX XXXX which was XXXX  XX/XX/XXXX. XXXX still shows the mortgage loan pen with a past due amount of $ 85,000+ and shows delinquency after the discharged date. It shows in XXXX still being delinquent. I need this fixed on my credit report ASAP XXXX/XXXXXXXX XXXXXXXX fixed their mistake.
Debt Collection Office posed as a process server and discussed my debt information with my Mother and Mother in Law both who do not reside with or have anything to do with this debt. They also calles my cell phone claiming the same info that they had papers they needed to serve me. When I called back the number the debt collector advised he would not allow me to let me speak with the " Process Server '' named XXXX XXXX who called all XXXX of us and discussed my business with others. I have saved voicemails from the so called process server left on my phone and the third parties phones. On my Mother voicemail the so called process server stated I listed her as a second contact, which I never did.
XXXX / XXXX /   16  Called credit bureau to try to have inquiries removed
I originally sent TRANSUNION a dispute letter regarding 6 late payments to XXXX on XX/XX/XXXX. ( One letter for each late payment, 6 letters total. ) I asked for any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I requested that this information be immediately deleted from my credit file. They responded with an updated version of my credit report simply verifying the information without proof. 
I then sent out a second letter dated XX/XX/XXXX, giving them 15 days to do a reinvestigation in hopes of getting this issue resolved. They did not respond within the 15 days which is in violation of the FCRA. 
I would like your help with this issue. 
Thank you
XXXX has incorrectly stated I owed money to this doctor, which was never true. Please contact both parties to review and have them remove all from my damaged credit file : XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX
I've tried several times to settle the debt starting back in 2016 they have not only been rude but has harassed me also since then. Because of the mistreatment and the company not willing to settle the account. Contacting the CFPB is my last resort to end the cruel treatment I have received from this collection agency.
PROFESSIONAL CREDIT SERVICES, ACCOUNT NUMBER  XXXX  HAS put this account as a collection account for emergency  medical service  s r eceived at  XXXX   XXXX   XXXX , the original creditor.At the time of service I was covered by  XXXX  which I informed the  provider.The  government insurance plan covers all emergency services and I should never have been billed and never been subject to collection action which has damaged my credit standing by wrongfully placing and publishing this debt on   XXXX     XXXX   and   XXXX   c redit bureaus.The   service  occurred in early  2015,   possibly  XX/XX/XXXX / XX/XX/XXXX .I have Previously communicated through the credit bureaus telling them to remove the item from my credit files.
The  Discover Card is sued new cards for me on  XXXX / XXXX / 2017 . I also received an email on  XXXX / XXXX / 2017  that security breach occurred. I called today customer service to find out if my card was affected. The customer rep stated that the company received a message fr om one of its merchants that a security breach occurred. I asked which merchant was affected as I do not plan to use it. The rep declined to provide the name stating its privacy agreement. How do I protect myself against this? I think the Discover company should be transparent in letting know its custo mers which merchant has security weakness so the customers can make the decision whether to use it understanding the dangers.
I 've had my credit acquired by someone else and purchased timeshares in my name XXXX and XXXX, that are not mine and I have never claimed them. I 've tried to dispute with the companies and credit bureaus themselves, along with submitting my Government ID and Social Security Card mailed in. I have several Inquiries that I have disputed but to no avail and a Collection and Late from XXXX which was Paid in Full ( see attached ). 

This is the list of inquiries on my credit report. Mortgage Reporters I 've only allowed XXXX mortgage company to check my credit for a mortgage FACTUAL XXXX. I have not went car shopping, and do n't know why it 's on my credit report. 
XXXX & XXXX XXXX XXXX XXXX CREDIT PLUS XXXX XXXX XXXX XXXX XXXX XXXX LOANS, IN I 've disputed all of these things but they only ask me to resend my Government ID and Social Security XXXX, yet again. I submitted it the first time with the dispute.
I sent dispute letters via mail in online to XXXX Transunion and XXXX, each of them the sent me results with in five days saying investigation is complete but I do n't understand how you can complete a ingestion with in 5 days. I was apart of the XXXX data breach in it is a lot of stuff on my credit report that does n't belong to me. in the following is as listed XXXX XXXX 's XXXX XXXX XXXX XXXX and also XXXX XXXX
My XXXX credit report dated XXXX XXXX, 2016 included XXXX 15 year mortgages with Wells Fargo Bank. The information has been shared with Wells Fargo staff in XXXX XXXX, IA who stated on the phone that they are unable to identify these accounts in my name. We have NEVER had a 15 year mortgage.
With the recent XXXX 's breach in security and over 143 million people 's data being compromised due to unprecedented neglect by the company it is ridiculously for the victims to be required to pay to freeze their credit reports. Companies like Transunion and XXXX should be offering a free service to freeze credit even if it 's temporary, especially during these times. Such blatant attempt to profit off the XXXX  breach is deplorable.
My home were scammed from me by XXXX XXXX an XXXX and realator XXXX XXXX XXXX now known as XXXX. They both came to my home XX/XX/XXXX and produced a quit claim deed XX/XX/XXXX and a covenant deed XX/XX/XXXX pressing me to move out called the police. XXXX XXXX said she represented wells fargo and XXXX. XXXX XXXX said he bought the property for XXXX he and his daughter XXXX. Did wells play any role in this transaction. XXXX in XXXX have stated they were not involved.
It all started last year with the equifax data breach. I have put every security measure possible on my finances and credit report, including services offered by equifax such as XXXX XXXX, as well as XXXX. Literally almost everything I own has been hacked due to this breach. I deal with disputes on my credit file DAILY. My email has been hacked, I've lost count of how many times I've changed my bank card and account. I've lost alot of money, time and mental health. The newest situation, the reason for this complaint, is that I went to go apply for something and the company told me my credit was locked. The only way your credit can be locked is by you doing it yourself. I know for a FACT I did not lock it recently ( last week I applied for a cc with no problem ). I called equifax to find out what was going on, and bottom line someone locked my credit report without my knowledge and they have no answers for me. Period. I'm so sick of this. It's ruining my life!!!!
I was suddenly starting to see {$10.00} charges as of XX/XX//2017 without any notice from Wells Fargo credit cards when I purchase from XXXX. I don't have a problem being charged fees but I do have a problem when I am not notified and can not change my consumer behavior. I would not have made a {$18.00} purchase if I knew it would generate a {$10.00} fee.
I have an escrow account with Wells Fargo Home Mortgage. The loan was originated in XXXX, XXXX. I received a notice from XXXX XXXX XXXX XXXX that I owe interim school taxes for XXXX school year. In researching the amount of taxes that have been paid out of my escrow account I found out that Wells Fargo has withdrawn in excess of $ XXXX. The school taxes should have been closer to $ XXXX for the entire period that I have been in the house. I contacted XXXX XXXX XXXX to find out what has been paid on our behalf and found out that they have records of only cashing {$16000.00} in checks from Wells Fargo. 

I was told that I need to find out from Wells Fargo the copies and amounts of the checks that were sent to XXXX XXXX XXXX to pay for my school taxes. In reaching out to Wells Fargo they have repeatedly said that they were " investigating '' the funds being removed from my account, but I have yet to receive any form of response from them as to the disposition of my account. I have been trying to get the XXXX issue resolved for over a year ( originally brought to Wells Fargo 's attention in XXXX ) and have been actively engaged in attempting to resolve the escrow discrepancy since XXXX/XXXX/XXXX. 

I expect to receive a full refund of any amounts that were removed from my account and not used to pay school taxes, as well as any accrued interest on those funds from the date that they were pulled out of my account.
A bankrupcy is showing on my creidt report when I did not end up going through with a bankrupcy. At the time I couldnt find a job and without income I thought filing bankrupcy was the only option I started it and that same week I found a job that would allow me to pay my creditors back and allow me not to go thru with the bankrupcy so the judge cancelled the bankrupcy out and no action was ever taken. I provided the federal court documents to XXXX they did delete this from my credit file but XXXX wrote me a letter stating they would not remove witch is affecting my credit worthyness when no bankrucy ever occured no debts were charged off or dissmissed?
This so called debt collector ( " Medical Data Systems '' ) keeps calling but will not give me any information on what debt it is? They only want to collect information from me which I refuse to give them. They call weekly. We told them we do not owe any debts and to quit calling us.
On XX/XX/XXXX, we returned the XXXX to XXXX XXXX XXXX XXXX ( XXXX ) ( dealer ) which we were leasing and in exchange for a new lease on a XXXX. We decided to seal the deal based on the dealer 's offer to terminate the lease on the XXXX without having to pay the remaining lease for 3 months. Hence, we were required to make only the {$1000.00} down payment for the XXXX. On XXXX XXXX, we got a call from Infiniti Financial Services ( IFS ) claiming that we still owe money on the XXXX. On XXXX XXXX, I talked to XXXX XXXX of the dealership saying she talked to XXXX of IFS who resolved the matter so there wo n't be anymore calleXXXX from IFS. However in XX/XX/XXXX and other letters I was getting End of Lease Liability Statement showing we owe the 3 months lease payment. I talked to XXXX of IFS and then to XXXX of XXXX and then XXXX of XXXX who have all assured me that the matter will be resolved. In XXXX, I emailed XXXX to help me with the agonizing predicament and XXXX XXXX XXXX, the General Manager said he would make sure that I get the assistance that I need. Then to my surprise, I got a collection letter from XXXX XXXX XXXX. Please help me. I feel being harrassed for something I do not owe. Thank you.
On XX/XX/XXXX, I reported my card lost between XXXX -XXXXXXXX PTS and was told I would receive a new card in 7 business days, About two weeks went by and contacted customer service and was told to wait 7 more business days and dont know why it was never shipped, a week later still no card I called and was told it would be shipped and received within two business days, called again today XX/XX/2018 and was told I wasnt notified about the card delay on a problem on their side and was shipped regular mail. This 3rd attempt didnt acknowledge my past contacts and just kept telling me to wait till next week after having to make an phone appointment with the manager and compicated {$10.00} credit.
Recently I recieved the decision for my latest dispute of the late payment on my payment history. I am asking if it were at all possible to remove the late payments from my acount. I am attempting to clean up my credit score as I have been very strict since the incident to be on top of all bills that I have. I would really appreciate the opportunity to remove the late fees as I continue to stay a member of Capital One. Is there any thing that I can possibly do to remove the late payment marks? Thank you.
I HAVE A CREDIT MONITORING SERVICE AND GOT A ALERT AND THIS COMPANY XXXX XXXX XXXX XXXX, PUT IT ON MY CREDIT REPORT AND DID NOT SEND ME A LETTER IN ADVANCE AND AM WAS IN PROCESS OF TRYING TO BUY A HOME THE AMOUNT {$100.00} I CALL THEM THEY SAY THIS IS AND OLD ACC 6YRS I SAY I DONT KNOW OF IT THEY HAD ALREADY MESS CREDIT REPORT UP I SEND THEM A DISPUTE LETTER FOR THEM TO VALIDATION THE DEBT AND TO SHOW ME THEY HAVE RIGHT TO COLLECT IN STATE TX AND TO PROVE STATUTE LIMITATION EXPIRED AND OR THEY LICENSED IN MY STATE THEY DID NOT SEND THE INFO JUST A SNAP SHOT OF A BILL THEY TRYING TO COLLECT ON THEY DID NOT PROVIDE ORIGINAL SERVICE AGREEMENT WITH MY SIGNATURE ON IT
Around XX/XX/2017, I opened a new Business Platinum credit card with American Express for a newly formed company ( XXXX XXXX, XXXX  ). While some charges were made to this account for a remodel project, ultimately, I decided not to proceed with the business, and I subsequently closed the credit card. Any charges made on the card were timely paid in full. 

At the time I closed my account, I had at least one other ( personal ) account open with American Express. Under my Platinum Business Card, I had earned ( and redeemed ) Membership Rewards points, and I had substantial additional points still in my account. 

When I called to close my account, no mention of even the possibility of any of my points being deducted or withdrawn from my account was ever mentioned. Many other terms and conditions of my account closure, some of which were not nearly as material, were mentioned by customer service representative. 

The Membership Rewards points were not deducted from my account immediately upon account closure. I am not certain exactly when they were deducted, as no notice was ever provided to me, and I only realized this issue when I logged into my account online a month or two later to check my personal Green card account and I saw a negative Membership Rewards account balance. 

Only when I contacted the Membership Rewards team, was I informed, for the first time, with regards to the 12 month minimum time period to keep an account open. They told me this was in the " fine print '' of my terms and conditions agreement. I was quite upset about this ; had the original Customer Service representative I had spoken to while closing the account brought this to my attention, I could have easily met the requirement. I was further informed that the 12 month period is only sometimes enforced- only when American Express believes that there may have been account abuse. I find this assertion ludicrous and insulting. I opened a new business, including the filing of required forms and documentation with the State of California, hired an attorney to prepare partnership documents and other matters, and opened credit cards and checking/savings accounts for the business. When I determined not to keep the business as a going concern, I did what any person would do, which is to close all the accounts associated for the business.

I have used various American Express cards and products for many years, including when I was a minor under my parents accounts, and I have never had any issue opening or closing accounts as per my needs may have dictated. Additionally, I have never had late payments or accounts not in good standing.

I have attempted several times to resolve this issue and get my points returned by AMEX simply refuses to do anything about this issue!