WillisBack/dataset-financial-user-claim huggingface dataset:
We refinanced with Citi Mortgage in XXXX. During that process the loan we secured paid off all previous lien holders. My wife and I began the process of refinancing our home to secure a lower interest rate and have our insurance and property included in escrow. Our credit union had agreed to re-finance in XX/XX/XXXX. When the credit union researched the title they found that two previous lien holders remained on our property deed after being paid off in the refinance in XXXX. I contacted Citi in XXXX regarding this problem and they only indicated that I should research and contact both lien holders and get them to release the liens. Unfortunately these were two predatory lenders who had both gone of business via bankruptcy. Our credit union then indicated we would need to involve a closing attorney to help clear up this matter. The attorney was unable to quickly solve this issue and pushed it back to my wife and I to deal with Citi. Calls  were made to Citi starting again in early XX/XX/XXXX. We were told by various staff members that they could not help in the matter and they were not responsible for ensuring that the deed was correct or clean. After speaking with several supervisors over a four week period they were only able to secure a release from one previous lien holder because their assets were secured by a company in current operation. They indicated that Citi would not be responsible for securing the lien release while still acknowledging that Citi engaged with a deed trust company to ensure that all releases were secured at the time of refinancing in XXXX. My wife and I know are unable to own or refinance home because of this significant title issue. We have been paying a mortgage for 16 years on a property that we could never own outright. XXXX XXXX from the Executive Response unit at Citi Mortgage indicated that they did not use an arbitrator and I would need to file my grievance with CFPB.

We can not move with forward with our refinance and may have lost the option secure this loan because of this delay. All loan paperwork will need to be resubmitted for approval only after the deed is clear. I have requested relieve form any payments until we able to refinance because we are not responsible for this delay. I also request that Citi release us from any penalty or fees at payoff because of their failure to do their due diligence at our XXXX closing.
Midland Funding continues to report an account that was previously removed from my credit report in XXXX. I have sent certified letters that have been ignored/returned to sender ( see attached copy ) and have no other way of contacting Midland. They ignore my letters and are not cooperating in investigating this issue. This is false reporting/inaccurate reporting and they need to remove it. My next step is small claims court. My current Credit Report, which was pulled today lists the following under XXXX and XXXX : MIDLAND FUNDING LLC {$570.00} {$0.00} XXXX account reported on XXXX XXXX, XXXX XXXX accounts reported on XXXX XXXX, XXXX Open Account # 1 {$570.00} Balance XXXX XXXX Original Creditor The same report shows this account closed on XXXX XXXX, XXXX, therefore Midland reopened a closed case, which is against FCRA requlations according to the FCRA website. 
MIDLAND FUNDING LLC XXXX XXXX, XXXX XXXX Please advise what my rights are as a consumer so I can get this taken off my credit reports. They continue to file false info after removing the same account. 
Thank you.
In XX/XX/2007 I put my student loan in deferance while going through a divorce that ended in foreclosure of my home. During that time, XXXX sold loan to ACS. At the time I owed {$1500.00} ish. With penalties and interest, my loan when to {$5400.00}. I 've been paying consistently the {$57.00} per month but I feel that the penalties and interest which almost tripled is accessive. When asked if the could reduce for a full amount pay off they said no and that I would have to reach out to the Department of Education for options. Do I have any?
XXXX XXXX I was in XXXX. Tried to use my debit/credit card from Citizens Bank. The card did not work either as debit or credit card. ( Plenty money in the account ). Today, XXXX XXXX I went to XXXX and tried to use my card as debit and credit. Did not work. There is a Citizens Bank in XXXX XXXX XXXX. I went over to the bank and at first they had no idea why my card would n't work. Then the young lady who seemed to be a manger tried to sneak out without answering my question ; what 's wrong with my card! She said oh you got your PIN number wrong 7 times in a year so the card was shut down! No notification from the bank that they shut down my card. The teller and the manager did n't care, that is Citizen Banks policy. This is wrong on so many levels. They need to notify their customers when this happens!!!!!!!!!!!!
On XX/XX/2016 I went in to make a payment to " XXXX '' in the amount of XXXX, they accepted my check and gave me a receipt. On XX/XX/2016 I got a email stating they had my check in front of them but have not cashed it. On XX/XX/2016 my check in the amount of XXXX was cashed ( by XXXX ) and then sent me to collections on XX/XX/2016 by ( Genesis Credit management ) XXXX and I were on a payment plan for every month in the amount of XXXX due the XXXX of every month. Because I did not sign their promissory note fee but made my first payment they still sent me to collections. XXXX a Account Representative with Genesis credit management then called my cell phone multiple times and because she did not hear the answer she wanted to she then decided to call me at work, I believe three times I talked to her and every time asked her NOT to call me at work and that she had my cell phone number and two other times my coworkers told me she called while I was off. After multiple times I asked her not to call my work phone she then starts harassing me telling me " I heard about you and I 'm not scared of you '' ( Something along those lines. '' Which I am guessing she was meaning after talking with ( XXXX. ) she then called my work harrsing my HR team, telling them " They legally have to give her ALL my information, and being extremely rude. I have not heard from XXXX or her team since.
The credit bureau would not properly investigate the public records that are not mine according to the State of XXXX Department of Treasury and the XXXX County Court Clerk recorder, whom they did not verify any information with. It is against the FCRA to deem any public records as valid without contacting the source. The court stated that they do not verify any information with any of the credit bureaus. 
I sent the investigation in accordance with the Fair Credit Reporting Act, Section 1681i., and they refused to respond and have broken the law once again. All letters have been sent certified as documentation.
Transunion shows that I owe XXXX XXXX {$2600.00} but this account has been paid in full since XXXX/XXXX/2015
Hello my name is XXXX XXXX. On XX/XX/2018 I purchased {$80.00} of Bitcoin and {$10.00} from the website Coinbase. The {$80.00} of Bitcoin was stored in my Bitcoin wallet and the {$10.00} was stored in my USD wallet. I was told to wait a few days before trying to transfer the funds from my Coinbase wallets over to my XXXX wallet. However, while waiting I noticed that the {$85.00} had been double charged in my checking account which set my account into a negative balance and thus a NSF fee was charged. I didnt have the funds to bring my account into the positive and when I spoke to Coinbase about the issue they said they would have their agents look into it. A few mroe days passed and they didnt resolve the issue so I filed a report with my bank and they got the {$85.00} that was double charged back into my account. However, Coinbase put my funds that I had in my wallets on their site into a hold until they could look further into the issue that took place on my account. On their site it had a disclaimer on my account that my funds would be on hold until XX/XX/2018. When that day arrived however my funds were released from being on hold but it said that buys were " currently disabled from your account ''. This means I cant transfer the funds from my Coinbase wallets into checking account cause there is a block on my account. When I called Coinbase support they keep telling me that I have to wait for their agents to fix my account and get the hold uplifted on my checking account. I have been waiting since XX/XX/XXXX and at this point am frustrated and tired of playing the waiting game. Any help you could provide would be extremely appreciated and helpful to me.
I had unauthorized hard inquiry on my credit report from the following company : Company : XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2017 2017
in XXXX we were forced to go thru the loan modifacation process to prevent forclosure with the federal foreclosure court in my county ( XXXX XXXX XXXX  ) as a result of this process the mortgage holder was told to decrease our APR and also told to assist us in any way they could to keep this from happening again ... they were also told to adjust our due date monthly because my wife ( XXXX XXXX ) and i are on XXXX XXXX XXXX  ... .we continuosly asked them to change our due date to the XXXX of each month so we could make our mortgage payment in concurrence with our XXXX XXXX pay we receive on the 2nd wednesday of every month ... .wells fargo not only has ignored the courts request to work with us but our requests as well thus causing us to be late on our mortgage payment an obscene amount of times all the while wells fargo is reaping the rewards of late fees accrued during the past 5-6 years and also causing us to show delinquencies on our credit reports ... these delinquencies shoul not be occuring and wouldnt be if wells fargo would just have followed the orders of our federal foreclosure judge and the wishes of cooperation thru the federal court ... .i would like these delinquencies and the harm they are causing to my credit to be removed ASAP ...
Request to remove the United States Post Office as my personal address was ignored by Experian reported XX/XX/2018. I received notification that the address reported by and on Experian file at XXXX XXXX XXXX # XXXX XXXX XXXX, Md XXXX was high risk to lenders. 

On XX/XX/2018 a consumer file was pulled from XXXX showing XXXX XXXX XXXX Unit XXXX XXXX XXXX, Md XXXX.
The following creditors submitted a hard inquiry without my permission writen nor verbal or through a second hand solitiontation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX
On XX/XX/XXXX, I tried to access my XXXX XXXX XXXX XXXX card account to pay my bill. I was unable to do so, as the system would not accept my password and required the password to be reset using a verification code sent to me via phone. However, neither of the phone numbers listed was correct. I called the phone number provided on the computer screen and was connected to the XXXX XXXX Fraud Department. I gave them my new phone number but was told that they could not use that phone number to send me my code. Since I was unable to get into my account online to pay my bill, I went to the XXXX XXXX location in XXXX, Ohio, on XX/XX/XXXX and paid my bill there. I received a paper receipt verifying my payment of the total balance of {$110.00}. I called XXXX XXXX on XX/XX/XXXX to verify that they received the payment, and was told that they had no record of the payment, and that it may have gone through at the store but that they did not receive it, and that my account was still showing a balance of {$110.00}. I have attached a copy of the payment receipt I received.
My home insurance by agreement in my filed mortgage is to be held in escrow. Prior to leaving in XX/XX/XXXX for vacation, I sent my invoice from my insurance company to Chase. This clearly stated the payee as being XXXX XXXX XXXX XXXX XXXX. When I returned, I followed up and after being on the phone for about 20+/- minutes, I was asked to stay on the phone to help solve the problem with the insurance company and I told them that they could call me back when they had them on the phone. I had an appointment. No call back. After my appointment started the process over. The representative was rude and just wanted to not say they were wrong. 30 + minutes on the phone they sent the check to the wrong company.. my fault was the implication. They could n't find time to put a next day mailing to solve the problem. I drove to the insurance company and made the payment. Long story short, they had no compassion with a customer and this representative actually started speaking loudly over my questions keeping me from getting answers that I needed. They had the wrong company and paid to the wrong company and as much as said I was the one who made the mistake. The only insurance company I have had in the 13 month ownership of this property.. so upsetting.
I am in XXXX XXXX and currently repaying my XXXX school loans via XXXX XXXX  using Income Based Repayment Plan. This year, my monthly payment jumped from XXXX dollars a month to XXXX a month despite no change in my income. I called XXXX and they said they would look into it but it has not changed.
Loan ID # XXXX Predatory practice during this current Govt Shutdown. Sells and markets to federal employees and it's business model is geared toward federal employees and will not assist nor work with loan holders during this government shutdown. Only offering to waive late payment fee. 

Kashable 's actions and response prove they are determined to ruin the credit of fedral employees with negative credit reporting during the Government Shutdown. 

Lenders across the USA are offering assistance by delaying negative credit reporting. But Kashable, who markets TO federal employees will not help in regards to preserving the credit profiles of its government customers.
XXXX MONEY REFUND Date : XX/XX/2018 To : XXXX XXXX, XXXX and XXXX XXXX   XXXX, XXXX From : XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX XXXX, TX XXXX XXXX : XXXX XXXX - {$3000.00} - XXXX XXXX XXXX, XXXX XXXX, TX XXXX This letter today is to request my XXXX Money of {$3000.00} from XXXX XXXX, XXXX. I am of sound mind today and understand today that I was not confused but was not informed of the Projected Payments such as Principal & Interest, Mortgage Insurance, Estimated Escrow and finally the ESTIMATED total Monthly Payment from the lender XXXX XXXX XXXX, XXXX would be greater than what I signed on the Closing Disclosure XX/XX/XXXX - At that time I understood the total monthly payment as XXXX per month as I had made this clear from the start of the Executed Contract and loan process ; and when I signed the Closing Disclosure again on XX/XX/XXXX ( see attached CD ) I understood this as my final monthly payment for the next 30 years. 
My fear arose on the day of closing XX/XX/XXXX the closing documents promissory note stated XXXX plus a month ; This was so confusing not only because I do not fully understand the lending and closing process but the only clear understanding from the beginning of the Contract and the Loan was this I was very clear from the beginning that I can not afford to pay a house note of XXXX plus a month Today I kindly beg with much respect that XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX return my XXXX Money of {$3000.00} due to the fact that I did not understand how this came about or much less, why the documents in a closing are not in XXXX this would have been better for me, but most of all why the Salesperson as XXXX XXXX, XXXX has to explain the loan process when she would say one thing, and the lender would say different ; why did the lender not explain this to me, Im very hurt, discouraged and still upset about the whole ordeal. 
I understand this letter as my basic XXXX of my understanding of what took place.
In XXXX 2017 We received 7 letters stating Citibank was closing all of the accounts in my household. The accounts consisted of my husband and me, as well as XXXX of my children. The letter ( which I no longer have ) had no explanation as to why they were doing this. They said they have the right to discontinue business with anyone for any reason they choose. We promptly withdrew all of our money ( XXXX ) from citibank at that point. I contacted the executive offices for Citibank and was told " It was a business decision and business decisions ca n't be reversed. '' A couple of weeks later without notice our XXXX XXXX  XXXX card and XXXX card were cancelled.. which was quite an embarrassment. I since have attempted to re-apply for the XXXX XXXX XXXX card and was denied. I will attach the letter ( which is very concerning to me, my husband and our children ). I am worried for our financial future. I applied for another XXXX not associated with XXXX and was quickly approved. I have also opened another account with a different bank.
On XXXX/XXXX/XXXX I visited XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Delaware XXXX the purpose for visit was to purchase a lawn tractor. I became interested in a XXXX XXXX ' riding lawnmower, retail price for the lawnmower {XXXX} dollars. 
XXXX offered XXXX no credit check XXXX line of credit, information provided by sales associate. Whom explained the program allowed to make minium payments, with initial payment in store following a payment plan to which I would own. 
XXXX XXXX XXXX, explained the terms of this line of credit through a third party lender. 
XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, NH XXXX company is also known as XXXX. XXXX XXXX XXXX, obtained my personal information in order to initiate the line of credit with XXXX XXXX XXXX XXXX XXXX. A credit line was approved, it was explained that I would make payments in the amount XXXX after the minimum payment frequency the line of credit would be satisfied and I would own. 

On XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, Notified me claiming my minimum rent payment was satisfied and I am presented with XXXX options to purchase in amount XXXX or return the item or continue leasing the item. After informing the company I was never aware that this credit line did n't permit owning after minium payments were satisfied XXXX XXXX  XXXX XXXX XXXX, attempted to offer a reduction of the buy out to XXXX} or a recovery team would be in contact with me to collect the lawnmower from ownership. 

I paid XXXX frequency payments for the retail price of the lawnmower purchased, through XXXX XXXX XXXX XXXX XXXX terms and misrepresentations to no fees in credit line but more so unlnownly buy out I would be required to pay XXXX over retail price for the item.
On  XXXX   XXXX ,    2017 I m ade an online wire transfer from  Citibank N.A.  to  XXXX   XXXX   XXXX   XXXX ,  XXXX  for the amount of {$3000.00} the transfer fee was {$35.00} in total {$3000.00} dollars were debited from my account.      The exchange rate : US  {$1.00} =  XXXX   XXXX  Transfer Amount :  XXXX   XXXX  Other fees :  XXXX   XXXX  Total to Recipient :  XXXX   XXXX  Date of Availability of Funds :  XX/XX/2017    Confirmation Number :  XXXX  My wife went to collect the funds, but instead of receiving the transferred amount she received  XXXX  pesos less. I would like to find out what were the fees and taxes charged, if any.
I have a prepaid account with the Netspend prepaid XXXX by the XXXX XXXX, where I have received my school refunds through direct deposit for the past XXXX semesters ( last deposit being XX/XX/2017 ), as well as other deposits. Last week on the XX/XX/2017 I found out that there was a fraudulent transaction on my card and worked to resolve that. my Card was however canceled and so I Have no way of accessing my money in the amount of {$3800.00}. I have also suspected some fraudulent transactions on the same account in the past XXXX months, but efforts to tract this are been frustrated by the customer service representatives through the following phone # XXXX, of which I have spoken to a dozen of them already including today XX/XX/2017, and have spoken with XXXX representatives who pretend to transfer me to a supervisor, and dropped the phone on me. Obviously they are not willing to resolve this issues and I need your office to intervene urgently.
I bought another  VW  in  XXXX  anticipating the  XXXX   (  diesel fraud ) buyback announced for  XXXX   2017 , but delayed till  XXXX  17. I called VW and informed them of my inability to continue  XXXX  car payments and no problems were mentioned then. I sold the car back to VW in  XXXX   XXXX ,  2017 .
Executed a deposit of XXXX Litecoin ( worth approximately {$3000.00} ) on XXXX XXXX, 2018 to XXXX  exchange. While the transfer shows completed, the currency did not show up in my account. Have called and contacted support with no resolution in sight.
I applied with my husband to open a checking account and was denied because the bank, XXXX XXXX XXXX XXXX XXXX was unable to verify my Date of Birth through a system called " ChexSystems. '' They could not provide me with any further information and just said I would have to call Chex Systems. I attempted to call them, but it is just a recording -- you ca n't even speak to a real person. The only automated option was to request my report, which I did. I received it a couple of days ago and it contains no information. All it has is my name and address on it. This is insane. In my 35 years, I have opened bank accounts, credit cards, had mortgages, and car loans. I ca n't get any further information from ChexSystems and do n't know what to do if they do n't correct their information.
After nearly a decade of business with Bank of America, I recently inquired for a Credit Line Increase. Over the years I have held active, but never delinquent, Personal Checking, Savings, and Credit accounts with B of A. My credit rating is top tier, thus I did not expect to find myself in the scenario Bank of America placed me in and feeling discriminated against. Upon requesting my Credit Limit Increase on my traditional XXXX Credit Card, I was immediately declined. While this news was shocking, my real goal was to capitalize on an opportunity for cash back which is XXXX of the only incentives offered by my particular card held with B of A. Due to this, I was not disappointed with the decision to decline my increase request. However, upon contacting B of A by phone I was denied the opportunity to receive my decline reason. Instead, after speaking with XXXX representatives by phone and XXXX chat support associate, I was told by each that they could not provide that information and I would not be permitted to speak with a Credit Analyst/Specialist to review my Credit Line Increase request. After several hours straight of going back and forward on the phone, I was eventually in verbal communication with the Credit Analyst/Specialist department who disclosed the nature of the decline. It was for insufficient of lack of a savings account with Bank of America. This is where I feel discriminated against, and as though I was unfairly evaluated by means that no everyone is evaluated XXXX. Upon receiving my denial letter, the reason was consistent with what I was advised on the phone and I also was not provided with my credit score, although I had requested such. Being in a top tier credit category of absolute low risk, my closure of my B of A savings account just a year prior is clear indication that I was unfairly considered for the credit line increase.