WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a complaint with the CFB against Citi Bank regarding a {$300.00} bonus that Citi initially refused to pay, but was later honored. The day they credited my bonus ( XXXX/XXXX/17 ), I initiated a transfer to move the funds to XXXX Bank. The amount of my deposit plus the {$300.00} bonus was {$10000.00}. I transferred the funds. I logged into Citi on XXXX/XXXX/17 and noticed the account was overdrawn by {$34.00} ( the exact amount of the fee ). I later discovered that Citi does not make pending credits available for withdrawal until posted. I do n't agree with this since the amount the amount displayed as available for withdrawal was {$10000.00}. I called Citi, and the credit the {$34.00} fee back. Now the account was at a XXXX so I requested to close it. They complied with my request. On XXXX/XXXX/17 I noticed the funds from XXXX were placed back into the Citi account. The original transfer never went through. I was charged another {$34.00} fee. They refuse to reverse the fee because the account is closed. I am also unable to access my money because the account is closed. They are penalizing me for the same transaction twice. They also tell me it 's likely I 'll receive a check in the mail for the balance of my account. They are very unhelpful.
My loan was bought out by Seterus and they underestimated my escrow ( taxes and home owners insurance ) and sent me a bill each month for 9 months for the underestimated amount. Finally, they sent me a letter telling me that I had to pay {$2000.00} to bring it current. 
I refused and paid {$220.00} then {$100.00} or more per month. And now I believe my balance is only {$48.00}. But they claim that it is more and are threatening me with foreclosure.
I was told by a third party student loan that I qualified for my student loan to be forgiven. they said that {$6000.00} of my student loan had been forgiven and that i would only be responsible for {$3000.00}. They set me up for a payment plan started deducting {$170.00} from my bank for the f irst five months and after that {$10.00} a month. I realized my money was not going towards my loan when I called to ask for the  payment history. I have been trying to reach out to the person who set me up for this student loan forgiveness plan but have not been able to get a hold of him.
Equifax reporting several incorrect information for several accounts- XXXX-No updates since XXXX XXXX XXXX XXXX updates since XXXX-incorrect balance XXXX-No updates since XXXX XXXX XXXX-No updates since XXXX XXXX ; incorrect balance XXXX-Still showing an open loan with a balance of XXXX Account PIF
On Friday, XX/XX/2018 I was making a payment online for {$1300.00} on my American Express credit card. Mistakenly I added a zero and made it for {$13000.00}. I did not catch this until Monday XX/XX/2018. Called American Express, talked to a rep that said the only way for the refund was to mail a check or wire transfer. I am suppose to get the difference of {$11000.00} and leave {$1300.00} on my account as payment. I opted for the wire transfer. He said it would be 3-5 days. When 5 days was up, I called back to see why it hadn't come to my bank and I was told 7-10days. When 10 days was up I was told that the funds had to be verified. They verified the funds were taken twice during the 15 days I have been trying to retrieve my money. Now, i must say, there wasn't {$13000.00} in my account so it bounced back 2 days after the initial payment. Then they retook it again and at that time there was {$13000.00} in there on XX/XX/2018. I call every day, several times a day ( 3-4 ) and get a different answer from different people after continuosly being transfered to different departments. In talking to a manager on Friday XX/XX/2018, he said let 's do a check and it will definitely go in the mail today. Called Monday XX/XX/XXXX and Tuesday XX/XX/2018 and was told the case was reopened? I have no idea what that means. I talked to 7 different people on Tuesday XX/XX/2018 from XXXX - XXXX ET. Was told by XXXX they would overnight mail a check to me by Wednesday XX/XX/2018. Needless to say I have requested 5 times for an overnight mailiing and was told there is no way to do that. Now all the sudden they can. 

I have been a member with American Express since XXXX and always paid on time and way over the minimum payment due. I can't believe this is how they treat their customers. This wasn't just {$100.00} overpayment. This is {$11000.00} over payment that I have been trying to get back for several weeks now. I have been without any ready cash all this time and alerted my bank about the situation. They were kind enough to waive any and all overdraft charges. 

Unfortunately, I am going on an already paid for cruise on XX/XX/2018 and have no cash. Please help me in making sure this does not happen to anyone else and that American Express executives are aware of the poor customer service I have received. 

As of now, I still do not have my over payment back.
On XX/XX/18 I made contact Diversified Consultants to settle a debt and inquire about the process in which it reports. I made contact with the initial rep, then her supervisor and finally spoke to the project manager who all advised me that once I paid the debt that was owed it was closed with them and then sent back to XXXX who would then recall the debt. the debt collecting agency ( DCI ) refused to provide this in documentation but assured me my call was being recorded and as a project manager he had to provide me with the proper steps in which this debt would be removed. I advised the representative that I was currently in escrow and could not have my score drop as a result to paying this said debt. My husband not only took a 20 pt drop once it reported " closed settled '' so I immediately called XXXX who I was advised my file would be returned back to, to follow up on DCI 's procedures just to find out that they've wrote our debt off and it was sold to a debt collector never to return. So in other words they were never getting my file back and this debt collector lied to me and has caused my score to drop. the original debt was XXXX and we were offered to settle at XXXX in which we did. However because they did not do what they said this has caused us to go through a hassle while going through escrow with the decrease. you shouldn't be able to deceive and cause hardship to consumers.
This is not the first time complaining and they are ignoring my request.. I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX and after few days without any chance to verify ( validation period ) my records ( 30 days to ask for verification ) or according to the FDCPA, XXXX XXXX XXXX placed the account XXXX in my credit report in a clear violation of the law. 
Previously contacted XXXX via CFPB to obtain copy of any CONTRACT or ORIGINAL DOCUMENTS to validate any debt but the answer was they try to contact me in a old address which has not been a verified address without any success but now they decide to validate by themself. 

The report show inaccurate and not validated information because during the time they are indicating to the credit bureau, i was not living at the address so how XXXX could open an account and charge every month using my identity and social security. 
See residency letter from shelter during the period open and charge under my name. 

EXPERIAN shows day account open XXXX and XXXX XXXX ( inaccuracy open dates ) EXPERIAN shows as closed account vs XXXX shows as Open account. ( inaccuate status ) XXXX XXXX reported amount XXXX EXPERIAN and XXXX XXXX ( Inaccuarte balance ). 

The address attached to the account has been a cause a few fraudulent credit account open using my identity. 

This information is submited by XXXX XXXX XXXX TO EXPERIAN AND XXXX  WIHOUT ANY VALIDATION OR VERIFICATION. 

During that time frame and before I was living in a shelter so the dates obviously are incorrect XX/XX/XXXX until XX/XX/XXXX, previous that address I was living in a hotel room for 6 month since XX/XX/XXXX and previous to the hotel room my addres was in zip code XXXX in the XXXX since XX/XX/XXXX until XX/XX/XXXX ( 1 year ) the amount is wrong and somebody used my information to open the account.. XXXX XXXX XXXX violate the 30 days period and the Credit Bureau EXPERIAN AND XXXX  allow them to post false, Inaccurate and not valid information without any support. 
XXXX XXXX XXXX break the FDCPA 809 section by posting information without validation in the frame time of 30 days according to the law. 

EXPERIAN AND XXXX is in violation of the FCRA by allowing XXXX XXXX XXXX posting inaccurate, false, not valid information hurting my credit report.
Complaint # XXXX has been closed. 

I would like to re-open this case. 

Re-cap : XX/XX/2018, I paid my XX/XX/2018 mortgage. 
And added some to apply to principal. 

Di-Tech mismanaged the payment and applied 100 % to the principal. 
And wanted a 2nd payment to cover the XX/XX/XXXX bill. 
PLUS a late fee that should have never been issued. 

Di-Tech never admitted to the making a mistake but sent the late fee to me in the form of a check. {$35.00}. 
They referred to as WAIVING THE FEE. 
It should have been referred to as a REVERSAL. 

FAST FORWARD TO TODAY : They stopped-payment on the check!!!! 
AND, My bank reversed the deposit! 
AND, My bank is charging me {$12.00} for the inconvenience. 

I'm requesting a cashier 's check for both amounts AND an apology for all of their mistakes.
Have student loans through Navient from 3 different schools that are reflecting 120 + days late payment. First off, the starting and ending dates of these loans are when I was a current student. Therefore, there is no way these loans can be late. After completion of school, I utilized the Income Contingent Plan that is updated yearly
I had been in a Student loan rehabilitation program over the past year. Made final payments in XXXX XXXX for both XXXX and XXXX XXXX. The new Appointed Servicing Agent for my Loan was the Fed Loan group. They sent out the new loan information in XXXX XXXX. I moved from XXXX XXXX XXXX XXXX Fl XXXX temporily to XXXX XXXX XXXX in XXXX, Fl XXXX in XXXX XXXX and then to XXXX XXXX XXXX XXXX Fl in XXXX XXXX. The original rehab loan program never notified my of the new Servicing group or how to contact them. When in XXXX XXXX it showed up on my credit report as 90 days late I was able to find out for the first time who to contact. I called there Servicing dept immediately try and resolve the problem. They told me to get off my credit reports I would have to file a dispute with accounting dept which will decide if they will or not remove the 90 days late. This was on XXXX XXXX, XXXX. This was to be emailed to me as well as a low income based repayment plan application, which it appears I have been qualified for all along and would pay {$0.00} a month. Well they did n't send it out email ... ..today XXXX XXXX, XXXX they can only mail the dispute form, and are emailing me the income based repayment form, but the immediately took a {$110.00} payment on XXXX XXXX, which as of today does n't show and when posted will still show and outstanding balance. Even when I qualifiy for the lower repayment, it will take 30 or more days to go into effect. My Credit with all XXXX Agencies is severly effected by there reporting. I have no other late payments
I had insurance coverage however for some reason they did not try to collect payment until a very later date and I have proved to them I was covered and they bill should be going to XXXX XXXX and XXXX XXXX of Florida. However they placed this on my credit and it is destroying me from moving forward in life with loans and etc.
Repeated phone calls from XXXX and continues at least twenty times that after throughout the rest of the day. Kills my phine battery, takes up my time and is annoying and is irritating me know. When I answer it gives me a message with a phone number to call back. Then receive a debt letter from MRS. BPO, LLC with a side note stating, " tax time is a great time to put issues like this behind you. Consider using any possible tax refund you may receive to satisfy your outstanding obligation. '' Regardless this should never been a collection account because the dealership never refunded this amount like they should have.
i called to report my card was fraudulently used. Later to find out it was a vendor from online and we worked it out. however. the card had been cancelled and i waited for a replacement. the replacement card arrived. it could n't be activated. the card issuer demanded license and ssn card copies. THIS IS ILLEGAL. the id i can see. the ssn card is illegal to ask for. I did n't use that card to open the account. it should n't be required now that they have my money. I have been kept from viewing my credit card histories online. charged when i want to find my balance. my rights are being stepped on. I demand action against XXXX and ask that they be shut down permanently for unbusiness like conduct.
Despite 2 former CFPB complaints, XXXX XXXX continues to report incorrect information regarding a balance owed to them. 

I have attempted several times to contact XXXX XXXX at XXXX. She declines to return my phone calls and will not respond to my letters. 

XXXX is reporting to all credit agencies that I have a balance of {$6000.00} that is past due and was charged off. I dispute this amount. XXXX card, only through a letter in response to my former XXXX complaint states that I owe a balance of {$3400.00}. I want to know why they are reporting that I owe a balance of {$6000.00}. In fact at one time in 2013, they were reporting that I owed a balance of {$360000.00}. 

I have contacted XXXX and asked that they provide detailed information concerning the {$6000.00} balance that they continue to report. After 60 days I still have not received an explanation.
On XX/XX/2016 Bank Of America AKA XXXX XXXX A illegal limited power of attorney which was fabricated by who knows who tool establish legal standing at my foreclosed action see my case at XXXX under my name XXXX XXXX or Case # XXXX I am requesting Bank of America to pay me the Judgment amount of {$140000.00} Plus infliction of XXXX infliction of XXXX damage and XXXX damage Bank of America will have all the liability towards all the suffering that I had done To me in and family option XXXX I will take a legal action with many other people will result in a class-action which Bank of America would by liable
After doing the paperwork and upon closing on XXXX XXXX for my refinancing of my home, I was led to believe that my payments would decrease. XXXX home loans/Nudge funding -Company I worked with told me all I would need to close is {$45.00} in a check and my payment would then be XXXX, approximately XXXX less than that was currently paying. After I got my first bill I found out on the paperwork that there is an {$12000.00} closing cost that was not explain to me which brought up my original payment {$200.00}. Due to their predatory and sneaky tactics, and not being thorough with exclamation, I now have a higher payment then originally. The company is based in Utah and the attorney that I signed with from a mobile agent is not licensed in the state of South Carolina which I reside.
On two occasions my payment was shown to be late but that shouldn't have been the case I called the company to explain reseasons for the billing situation and the online banking payment methods. but I was unfairly marked 2 times for late payments, but since then in the past year I have cleared up the situation but they refuse to forgive and clear my record.
My loan was transferred for servicing and one payment was put in the back end of my loan. 

Then my payment increased in the amount escrow shortage per Sps rep {$1300.00} which I know is the payment was promise in writing to be put on the back of my loan. 

The payment increase from {$870.00} {$910.00} then {$970.00}. 

I informed SPS XXXX2019 of the trigger I can not afford to pay and dont want to loose my property and need to make my mortgage payment without a late fee effective XXXX2019 I was told the increase was for taxes and insurance. I know my insurance has not increase and my taxes may have increase. But that adjustment was done the prior month of why my mtg payment increase after the transfer of servicing rights.
I have disputed with the original vehicle loan, XXXX XXXX XXXX, and with the consumer credit reporting agency, Trans Union. I finally had to file complaint against XXXX and their reply was that they were sorry and will correct the data on mine an my husbands credit reports for all three bureaus. They changed it, but not to correct data. Trans Union needs to stop incorrectly reporting our data on the credit reports for the XXXX account and just remove it.
I am SERIOUSLY being harassed by CapitalOne. I have had a credit card with them for years. I changed my phone number almost a year ago and tried going online to report this during the summer of XXXX. I have called CapitalOne to tell them of the change and they have locked out my account and classified my account under fraud. I have called them back, including tonight, XX/XX/XXXX, to request the pay off total to close the account altogether. Despite providing CapitalOne my account number, social security number, bank account information where my payments come from, they REFUSE to provide me with any information. I can't get my pay off total using their online services or from the idiots they employee over the phone. 

I have made ALL of my payments to CapitalOne and don't believe I have ever been late. I am a XXXX good customer and they should be thanking me for using them. I am XXXX years old and believe I am being harassed by CapitalOne with continuous hassles. I AM IN A PROTECTED CLASS AND NEED TO BE ASSISTED WITH CAPITAL ONE PLEASE!
Still missing XX/XX/XXXX XXXX interest paid statement. I have been requesting by phone since XX/XX/XXXXXXXX. XXXX/Northstar advises that is being sent but nothing is ever received. They have supplied a XXXX XXXX but we are still missing the final XX/XX/XXXXXXXX.
Daily I continue to receive phone calls from Sunrise Credit Services , INC on my work cell phone attempting to collect a debt. I have asked them repeatedly not to contact me during business hours ( XXXX M-F ) as this is an interference with my work. They still continue calling me multiple times a day during business hours with far less than pleasant attitudes. When I answer and ask again and inform them this is the 10th, 11th or 12th time I have requested that they refrain from contacting me during business hours, they get angry, hang up on me and call again. I have even warned them that I would be filing complaints with the Attorney General and CFPB if they did not stop. Today I have received more calls from them. This is becoming a huge issue with my work.
I am reaching out today in hopes that you can help me resolve an on-going issue. On XX/XX/18 my account number ending in XXXX was charged a debit of {$500.00} for a transaction with XXXX. I have never had service with XXXX nor did I authorize this charge, so I immediately disputed it. I was under the impression that this issue was resolved, however on XX/XX/18 this disputed transaction was re-debited from my account. Since then, I've spoken to several people in the disputes department in an effort to resolve this. As of today, nothing has been resolved and I have yet to get someone to help. I am hoping that you can help me rectify this on-going issue.
Had lab work done at doctors office. XXXX XXXX lab did not bill ins co. I have complete coverage. Sent my bills to incorrect address. Never received bills. They did not attempt to get right address. Put bill into collection. American Medical Collections never contacted me at my correct address but attached this debt to my credit report which was flawless. XXXX Notified them the debt was in error but the collection agency will not take it off my credit report for 45 days. This has significantly lowered my score. XXXX will not send me a letter that they made error sending to Collections.
In 2006 my identity was stolen when my vehicle was broken into and wallet was stolen with my social security card, drivers license and bank cards. My identity was used without my knowledge to purchase a vehicle through a company call Nicholas Financial Inc / Investment Retrievers. I contacted this company on several occasions to have this issue resolved. I was ask by the police department to have this company release all documentation so that they can do a full investigation but was told that they cant provide anything without a summon and the police are saying they cant move forward without the documentation. This is affecting my credit.
My name is XXXX XXXX XXXX, a United States Citizens, XXXX born, and I purchased a piece of real estate in XXXX, Florida on or about XXXX that is located at XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX. The Subject Property is zoned Commercial and I spent over {$300000.00} in constructions, that including enlargement of the structure, the facade, the parking lot, the roof, counter top, a new kitchen to make it a XXXX. 
Upon completion, after exhausting all my personal financing, I still needed to buy equipment, such as stove, ovens, furniture, walk-in freezers etc. I offered the Property as collateral to Ocwen Mortgage Servicing who also did a wrap-around with my Personal Residence and offered me sub-prime financing in the amount of {$200000.00} on or about XXXX. 
The Market crashed and the XXXX did not performed sufficiently to pay the Mortgage. 
XXXX XXXX XXXX, the Investing Bank foreclosed on XXXX XXXX, XXXX and XXXX also an Investor for Ocwen Mortgage Servicing, purchased the Property on XXXX XXXX. 
THE PROPERTY WAS SEIZED AND SEALED- OFF ON XXXX XXXX TO PREVENT MY ACCESS AND I COULD NOT RETRIEVE PERSONAL, AND BUSINESS DOCUMENTATIONS. 
We provided buyers to Ocwen Mortgage Servicing to cure the Mortgage, and successfully negotiated the removal of my Primary Residence from the wrap-around so that I could sell it and cure the default. I paid Ocwen Mortgage Servicing a sum of over {$100000.00} and the property was sold by XXXX for {$170000.00} on XXXX XXXX to XXXX XXXX. 
Now comes Ocwen Mortgage Servicing and provided the Internal Revenue Service with a XXXX for {$200000.00} as a discharged debt in which the Internal Revenue Service is demanding a whopping {$62000.00} that includes {$52000.00} of earned income as a result of the discharge plus interest and penalties. 
I have on numerous occasions requested an historical profile of my payments, but to date Ocwen Loan Servicing have steadfastly refused. NO ONE OF THE PARTIES INVOLVED WILL PROVIDE ME WITH THE FILES I LEFT IN THE STORE SO THAT I CAN PROVE MY CASE WITH THE IRS!
i have a mortgage loan through Pacific Union Financial. 
I have had the mortgage payment on automatic since XXXX 2014. 
My payment always get to Pacific Union 2 week before the XXXX of the month. 
The has been NO interruption. 
There are months on their record where my payment was either applied to the wrong account, not applied at all, or never received. 
As a result of their accounting, Pacific Union is asking me for new inflated monthly mortgage payment. 
Their accounting has caused my account to have an escrow shortage that they want me to pay. They either have very bad accounting, they are hoping I do n't challenge them or there is a thief in their organization somewhere. 
Either way they have my account in disarray. 
For the record, I am not against suing them.
been battling XXXX and id theft for more than 7 YEARS NOW I DONT KNOW WHAT TO TO ANY HELP WOULD BE GREATLY APPRECIATED FILED FTC, POLICE REPORT TO XXXX AND XXXX COUNTY