WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a Citigold checking account with Citibank on XXXX/XXXX/16. I used an offer that had been extended by Citibank for XXXX Thank You points after meeting the criteria of performing a bill pay 2 seperate months within 60 days of opening the account. I met these conditions and confirmed with a Citigold representative ( XXXX ) via chat on XXXX/XXXX/16 that I had met all the requirements to receive the promotion. After waiting several months, I was told by a different Citigold representative ( XXXX ) via chat on XXXX/XXXX/16 that I would not be getting the bonus and that an " investigation '' would occur to see what the problem was. On XXXX/XXXX/16 after the investigation was denied, I was told by another representative ( XXXX ) that I was declined because I could not produce any original paperwork of the offer that Citi already confirmed I was eligible for on XXXX/XXXX/16.
I reviewed by Equifax report and found an entry from XXXX. I have requested 4 times documentation from Equifax and XXXX XXXX to send to me that they use to verify that this debt is mine. I have yet to get an accurate response.
I 'm writing this complaint because I have an account on my credit file that is not correct and should not be reporting. The collection agency XXXX XXXX is reporting an account for XXXX for the amount {$590.00}. I do not owe this amount to XXXX before leaving all accounts was paid in full. This account is reporting to be open in XX/XX/XXXX or XX/XX/XXXX, so this is why I do not have any receipt to show my XXXX balance because I was not aware they would just not in XX/XX/XXXX put this false information on my credit file. Please I 'm requesting this account be removed and I also have disputed this account multiple time with the credit bureaus and they are not doing a proper investigation. Just because they can verify information does not prove I owe any account balance. What I do not understand why they choose to wait until this year to report this inaccurate information. Also I have had this account deleted before from another collection agency. I file a complaint previous with all XXXX credit bureaus on XXXX XXXX, XXXX.
I have been disputing Midland Credit Management aka Midland Funding LLC since XX/XX/XXXX/ XX/XX/XXXX of this year. I utilized XXXX and seen that I initially had ( 1 ) collection item listed from this company. I immediately took action disputing the validity of this account, asking for verification, and proof that they attempted to contact me prior. The company never provided any documentation and then proceeded to send me threatening letters stating that they would seek legal action. I received another correspondence stating that I personally spoke with them on the phone and spoke with their legal dept, I asked for proof of those conversations and I never received it. Prior to me disputing this account, I have never had any contact with Midland Funding and Midland Funding has never reached out to me.
Most recently, I check my credit again and Midland Funding has added another unverified debt on my credit file. I am beyond outraged that this company continues to violate my consumer rights and also damage my credit. I do not owe any debts to Midland or any outside vendors that they may have. To add insult to injury, when the second account was placed on my credit file, I never received any documents or notification for validation for that alleged account. Midland Funding has been the topic and center point for numerous class action lawsuits and settlements due to their illegal practices. This company is attempting to swindle monies from me and I will not actively participate in their activities. Every time that I dispute an account that is not mine, Midland begins to send me stressful threatening letters demanding payment or I will suffer legal action. Midland also present these letters in a manner as if they have been communicating with me on a regular basis. This is not the case and completely false representation on Midland 's part. I want both of these erroneous accounts deleted from my credit file immediately and for Midland to do their due diligence prior to ruining unsuspecting consumers ' credit.
I applied with jg wentworth for a mortgage. I did the loan application and sent in all of my information including my eligibility certification from va. I also had to pay {$450.00} for a va inspection on the house. I received an email saying that i was approved for the loan for the house. A week before closing the loan officer ask for additional information i sent to them. After i sent this information i didn't here from them any more until i called the area manager and explain to him that i was four days away from closing no one heard anything else from them. He managed to get in contact with the supervisor. On monday XX/XX/XXXX i was still waiting to here from them. I finally heard from them and about XXXX i was told that they could not use one of my income. They knew all of my income information in XXXX when i did the loan application and for them to wait until 18 hours before i closed on my house and denie the loan was unprofessional and not right. I had to go and cancel a refrigerator and also look for somewhere else to live because i had giving up my rental home to move to this location. The loan officer was very unprofessional with my realtor and the builder realtor.
On XX/XX/2018, I reopened a XXXX store card to purchase something at the store. I left the country to visit family and left my daughter in charge to pay for the purchase of {$130.00}. The store never sent paper mail statements and when my daughter and wife called And gave them my personal information, they refuse to talk about my account. At this point, unbeknownst me they had already started changing me late fees. My wife tried many times during all these months to get them to stop charging late fees and paid {$100.00} dollars online. She spoke to many reps explaining why we have not paid but they continue charging fees and refuse to allow my family to bring the account clean. Now that I am calling they charging {$190.00} More than his original purchase and it is not after all this time that they finally speak to us and have the audacity to tell us that they are only allowed to drop One late fee. My husband is poor and we are willing to pay the remaining XXXX dollars but its unfair that we have to pay twice what the original bill was because of their deplorable customer service. We tried many times to settle the account but they refuse to offer customer service.
I have a mortgage with Caliber Home Loans which went into foreclosure. I made a large down payment and have been making payments every month since XXXX XXXX. Caliber recast the payment arrangement to lower the payments from {$9000.00} to {$7700.00} per month which was approved, and XXXX XXXX, a letter was sent to me stating that as agreed {$9000.00} was to be paid XXXX XXXX, XXXX and every month after that {$7700.00}. The letter clearly states that ALL FORECLOSURE ACTIVITY WILL BE SUSPENDED. However, Caliber did not notify XXXX XXXX XXXX ( the company that does the foreclosures for Caliber ) that there is a payment plan in effect. XXXX ordered a sale date on XXXX XXXX, XXXX and it was tacked on my door on XXXX XXXX. The letter clearly states that all foreclosure activity would be suspended. Going against the agreement, foreclosure activity began before the payment was due. Payment was due Saturday XXXX XXXX, XXXX and sale date was order XXXX XXXX, XXXX
Mortgage Servicing issues with 360 Mortgage. 360 Mortgage Company LLC has threatened me with foreclosure. My account is current according to my contractual mortgage agreement. The company has contacted me several times today on XXXX XXXX, 2017, and has assessed charges and refuse to supply proof as to the charges such as {$460.00} for XXXX XXXX XXXX for XXXX XXXX. Property Inspection. The company has continued to charge me for this but has not supplied any proof the claimed inspections were performed. The company has continued to either not apply my funds immediately when I paid them to my account or charge me alleged fees and cause my account to be delinquent or go into default.
Interest that accure and the balloon interest that went on loan in the short period of time since navient taken over the loans, unreasonable negotiating of lower my payments to an reasonable payments, would not accept a reasonable payment arrangement even after i told them that i was homeless and without a job.
I consolidated my loans through Navient, after being told I could apply for PSLF through them. During several financial hardships during the mid XX/XX/XXXX and again during my divorce during XX/XX/XXXX-XX/XX/XXXX, I was advised by Navient to defer and/or place my loans in forebearance. The original principal was {$55000.00} ( Consolidated XX/XX/XXXX ) and {$7900.00} ( Consolidated XX/XX/XXXX ). In XX/XX/XXXX I was told my Navient that I could not apply for student loan foregiveness thru them. At that time, I consolidated my Navient Loans with XXXX  XXXX XXXX. My total balance is now in excess of {$110000.00}. I will never be able to pay these off.
Navient and XXXX are not working with me for Repayment options. I have told them that I can not make the monthly payments off of my income and they said they can not help me. They told me that there was no other options for payment plans and that I can not go into forbearance. They never told me this when applying for their loans. They advertised flexible payment options. Not to mention the interest rate the loans are at when interests rate are at an all time low right now. I can not make ends meet with paying them and trying to live.
My mortgage transferred from XXXX XXXX XXXX to Carrington Mortgage on or around XXXX XXXX, XXXX i think that is the correct date. I am not sure, as I never recieved a letter from them. I found out about the transfer when I went to make my payment to XXXX XXXX XXXX and they said I could no longer make my payment to them as my loan had transferred. they gave me the company name and a phone number. 

I called Carrington. I got my loan number and my late fees due. I advised I never had late fees and they must be mistaken. I was told to send in a letter to them explaining what had happened and they would fix it. I did, on XXXX/XXXX/XXXX. I received a letter from them advising they recieved my letter but nothing after that. I was under the impression that they had 15 days to respond and get it fixed. 

I received another letter from them on XXXX/XXXX/XXXX advising that they never received my payment. I am not sure what happened as my payment was made, it just did n't go through. I quickly made my payment on line through my bank and sent it next day. I get a letter on XXXX/XXXX/XXXX saying they never received my payment. I called them and she stated that my payment went to unapplied funds as it was XXXX cents short. I told them I was not aware of this and no one had called me, sent statements, etc. 
I was reported to the credit bureau she said. i told her I would make my payment for XXXX cents online immediately, making the payment with her would have cost me XXXX. 
I sent the payment. 
i have never had an issue with a mortgage. I always make my payments on time. this company is horrible. I am almost finished paying my mortgage, thank XXXX. 
I just wanted the CFPB to know the misdealings that this company is doing. I have good credit, make my payments on time and have to deal with this nonsense.
Cap 360 sent an email on my personal savings account to a family member without my permission and refuses to remove this email address. This has never happened in the past and I have requested they show me proof of removal which they refuse to do.
I opened an account at XXXX with Synchrony Bank. During the holiday season, someone depleted money from my checking account. I called Synchrony to explain what was going on and informed them that until I had money to put back in my account I was not able to make the payment on the card. They said they understood and not to worry - DAILY I received calls 2-5 times a day as to when I was going to pay the amount due. Once I got the money, I paid {$150.00} at XXXX and the next week I got a collection letter. I am trying to bring my credit report up, not lower it. In addition, I have a Care Credit account with Synchrony. I was paying {$50.00} 2x a month until it seemed that more money than I authorized was coming out. I immediately went into Care Credit and removed any future payments and then called Synchrony to make sure they had no other payments listed that they would take out for. I was told they saw nothing. Next month they took out {$50.00} and they cashed the check I sent them for {$50.00}. I have an Amazon account with them, so far so good, but I am sure after I have complained to the FDIC you and the Ohio Attorney General 's office that something will go wrong with that as well. In addition, I have requested paper statements - it is hit or miss when I get a statement - though they say they are sending them to me. I have been reading many, many complaints online with regards to Synchrony Bank - I wish I had read them before now.
I paid in full and closed a credit card account back in XXXX with XXXX Bank As of XX/XX/2016 they are now reporting status of 60 days late. The account is closed with a zero balance.
There is an account listed on my credit file which is NOT accurate and I do not owe this and have disputed with nothing being received. My family has always had medical coverage. Please help assist Commonwealth Financial Systems
i was making payments and i made a double payment to navient. i called to try and stop one of the payments, but they told me to call my bank and put in a dispute for double payment which i did. the next month i tried to make a payment on the website, but i couldnt. i called navient and they told me i needed to submit a form from my bank saying its an active account. which i did twice. i was also informed that i was no longer under the income based repayment plan, and that i could have consolidated my two separate loans into one. I was told i was unable to when navient took over my accounts in 2015. i was told that my other loan wasnt eligible for consolidation and i had to go into forberance numerous times. i was told by the supervisor to submit paperwork to get my loans consolidated and i sent that in over a month ago and navient still hasnt received them and i cant even make my payments.
Around the XXXX of XXXX, i contacted PHH Mortgage to see if i could skip a month 's payment due to the hurricane devastation in our XXXX Texas area. I was told about a program they had, but would have to pay all missed payments back eventually. Duh.. that was my intention. I got on the program thinking I 'd be back to paying my normal payments in XXXX, and just make an extra payment in XXXX to cover XXXX. Well, that did n't happen. Every day starting in XXXX, i got a debt collection call from PHH Mortgage about my " delinquent payment. '' And since then, I 've been receiving letters from PHH Mortgage about ( 1 ) delinquent payment ( s ), ( 2 ) ways to avoid losing your home, ( 3 ) credit score may be impacted and ( 4 ) lump sum " XXXX '' due XXXX/XXXX/XXXX ... yes that 's right XXXX! 
Through the disguise of " XXXX '' PHH Mortgage has been able to harass me daily! Through calls and mail! They have not helped me ... .they have turned a natural disaster into a nightmare. Other companies have allowed me to temporarily halt payments ... .without any harassment at all, with a clear understanding that i would return to regular payments on a given date and my owed balance would remain the same. 
PHH Mortgage seems to be using this devastation to rob me of my home and sanity!
Capital one corrected XXXX entry on my credit report but not the other, XXXX cards were disputed in my original complaint and only XXXX was addressed. Please see attached documentation.
I have a a unverified account from Portfolio Recovery. I had previously disputed this account. I have never done business with PortfolioRecovery. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Portfolio Recovery Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Portfolio Recovery Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number
I receive a XXXX payment from Social Security Administration on a US Direct Deposit Comerica Bank card I transferred to direct  deposit to my in my wife 's bank account and upon doing so and then learning that that occurred they cancelled previous payments that were received by my credit card company 15 days prior after credit card company receiving the funds they refuse to explain identify or have any explanation of where this money is orgone other than making the statement that the funds were available but would be declined on the 3rd which clearly must have been backdated my records and receipts indicate the funds were available to an addition {$6.00} more than the bills I payed after her employee representative admitted that the amount was correct and there was an additional {$6.00} available after both bills was paid and then I was transferred immediately to a supervisor which could not explain where the {$210.00} is or I had gone to that I would not get it though that was made clear I started more time and ask for paperwork to be sent to me so we can further more try remedy the situation amd I was hung up on
XXXX and XXXX Subject : Ocwen Loan Servicing , LLC Phone # XXXX Loan #. We have a major problem with Ocwen Loan Servicing. Ocwen foreclosed on our home XXXX XXXX XXXX. They refused to go over our Deed in Lieu after they made a critical mistake on the documents sent to us to SIGN. Ocwen left out XXXX XXXX XXXX lien then claimed we were late however they would view our paper work. They have for closed on this loan and the tenant has stopped paying rent. We do not believe how inept Ocwen is - now everybody lost. 
After receiving papers back their information was not correct - they put on the form that we did not have a XXXX mortgage - tried to get me to sign & send with a " Trust Me '' statement. 
I informed Ocwen of our problem and they gave me new blank sheets of paper we ultimately filled out for a " New Deed In Lieu ''. We corrected the mistake which was the XXXX lien holder they left off of our home with XXXX XXXX XXXX. 
We have a tenant and a broker however tenant NOW will not pay rent due to for closure of Ocwen. Ocwen will not honor the rent payment - non of this makes sense, we lost the tenant, she is suing, manager is upset, we are upset, everybody is loosing. 
They are now asking for my income for last two years. I received SS of XXXX in XXXX and spent the time caring for my wife - XXXX. In. XXXX we lost {$71000.00} due to economy and real estate. 
XXXX
TransUnion is reporting incorrect names, phone numbers, and addresses within my credit file, which I have asked that they remove along with some accounts that do not belong to me. I have asked that they send me verification of how all debts in which I have disputed were validated, including the name, address and telephone number, of who they contacted in order to verify the information. I asked to be informed whom they spoke to, did they write to them, was a XXXX form used, or was this through electronic automatic dispute verification and were they able to reach them at the same address/phone number listed on my report, they have neglected to provide me with any of this information. I rcvd an email that my most recent dispute has been completed on, but I did n't r'cve information pertaining to my dispute as requested. 

I was told that the public records Bankruptcy and Tax Lien ( which reports on my credit report inaccurately XXXX were verified through a third party company but I did n't rcve the third party companies information. I called the court listed and I was told that they do not have information on me in regards to these two public records and if they did, they would not release this information to a third party due to violation of my hippa rights. I contacted XXXX, because this is who the other two reporting agency say they were verifying through, but as with them, XXXX advised me that this information was n't validated through them because it would violate the FCRA, being that they have a credit freeze on my credit file at there company. So this leaves me to believe that TransUnion is n't doing proper investigations as they are required to do when a consumer disputes inaccurate information in their credit file.
Over the last several years I have been trying to work with Equifax directly because they have made my credit report unavailable to myself and to anyone who is looking to review it for the purpose of obtaining credit. It has been brought to my attention in the past that due to the size of my credit file the Equifax system is unable to process request to view my credit history. I have written letters and have asked for this issue to be corrected and still nothing happens. They tell me that because they see it in their internal system it has to be a problem with the company trying to pull it. In fact the problem is the Equifax system and its inability to house my huge file. I can not pull it up online myself to review and dispute items, I can not pull it through the annual credit reporting site as allowed by law. Creditors can not pull it either. I have had issues in the past with this and I get the back and forth from Equifax. I know for a fact that at some point there have been several unauthorized inquires on my report which have caused my report to get too big and was told this was causing the freezing. I reported the unauthorized inquires through online dispute forms and nothing. Just canned responses. I do n't know what else to do to get this issue resolved. Sometimes the credit report works and sometimes it does not.