WillisBack/dataset-financial-user-claim huggingface dataset:
I received an alert today from my credit monitoring service. Collection agency COMMONWEALTH FINANCIAL, date reported XX/XX/XXXX, original balance {$520.00}, account number XXXX. Contact information not reported, XXXX XXXX XXXX  XXXX XXXX, PA XXXX. First delinquency XX/XX/XXXX. Its being reported by credit bureaus.This is clearly not me i have never received any written notice of collection or proof of verification & validation required by the fair debt collection act. Furthermore there is no phone number for me to call & speak to a real person. This debt has already been disputed & removed from my credit report with a different company for the same amount. I also have proof that there was no previous collections on my credit report in previous months. I 'm in the middle of buying a house & this has dropped my score over 70 points & making it impossible for me to close. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
In XXXX of this year I signed up for a Citibank Citigold Checking Account with the promotional code XXXX to get XXXX miles with a {$1000.00} debit spend and 2 bill pays in 2 consecutive months. On XXXX XXXX, because of some issues, I messaged Citibank to confirm that everything was on track for me to receive this promotion. The following is the chat I had with XXXX from Citibank about this issue. He confirms that the promotional code is on my account and I am well on track for the XXXX miles. I recently reached out to them to see where my miles were and they are now denying me the miles. Please help me. Here is the chat : You are now chatting with XXXX XXXX : at XXXX hello XXXX XXXX : at XXXX i had a question about my citigold account XXXX : at XXXX Hi XXXX. Welcome to Citibank Live Chat. My name is XXXX, how may I help you today? 
XXXX : at XXXX so the reason i opened this account XXXX : at XXXX was for the XXXX XXXX miles XXXX : at XXXX after 2 months of bill pay XXXX : at XXXX and {$1000.00} debit XXXX : at XXXX now i believe i opened the account more than a month ago XXXX : at XXXX but because of many many many tries at faxing my driver 's license failing, my account was locked for a long time XXXX : at XXXX i just wanted to confirm that i 'm still on track for the XXXX miles XXXX : at XXXX Understood XXXX. At this time, are you wanting to know if you can get an extension on the promotion? 
XXXX : at XXXX and that i still get 2 months of the fee waived XXXX : at XXXX the fee associated with the citigold account XXXX : at XXXX i have my first payment scheduled for the XXXX XXXX : at XXXX That 's correct XXXX. You will still have the fee waiver for the first 2 months of the account opening. I will place a note on the account that we will place an extension to give you time to meet the required behaviors for the promotion. 
XXXX : at XXXX ok perfect! 
XXXX : at XXXX so i have to do 2 months in a row of bill pays XXXX : at XXXX the first one will be on the XXXX XXXX : at XXXX tomorrow XXXX : at XXXX when is the earliest i can do the 2nd bill pay to satisfy the requirement? 
XXXX : at XXXX If you are doing it on XXXX/XXXX/16, then you can set your next payment up as early as XXXX/XXXX/16. It 's got to be for 2 consecutive months. 
XXXX : at XXXX i see, so it 's not based on my billing cycle? 
XXXX : at XXXX Not for the promotion, no. As long as you have at least 2 Bill Payment for 2 consecutive months, then that will satisfy this requirement. 
XXXX : at XXXX ok perfect XXXX : at XXXX thank you XXXX! 
XXXX : at XXXX if possible, can you make sure to write what we discussed in my account notes, just in case something goes wrong in the future? 
XXXX : at XXXX i 'll also save this chat dialogue! 

The above chat I had with Citibank confirms that my account had the promotion XXXX and that I have indeed satisfied all the requirements over a month ago. 

I was eligible for the offer when I signed up and it was confirmed by Citibank and yet they are now refusing to give out the miles. As a result, I am kindly asking that Citibank credit my account the XXXX miles.
Un Verified Accounts Pursuant to the FCRA & the FDCPA I am filing this complaint to exercise my lawful right to question the validity of two specific debts that all three credit reporting agencies have on my credit file and claims to have become due and negative. According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. I am well aware that under the FCRA section XXXX disclosure to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section XXXX or can not be verified. All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified! I understand that All Three Credit Bureaus have violated my rights to report these items on my credit report! Fair Credit Reporting Act XXXX FCRA XXXX protects me and governs the activities of Credit reporting Agencies and regulates how they report information about me. They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these two entries it has come back as verified within a few days, which further lets me know that they have not fully verified the accounts. They are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. They have failed to show that their agency verified the information and the accounts belongs to me and to show that their agency verified the information before they placed it on my credit report by identifying the proper identification required XXXX driver license and SS card ) + a written contract/request identifying me.
Snce XXXX I won the lottery while XXXX in XXXX. When I came home the bank staements indicated that USAA bank placed the money on hold because they claimed it might be terroist funds and its was XXXX XXXX and another lottery called XXXX, it was done online and they assured me as soon as the funds were cleared I would receive it. The statements and other proof were submitted to them by XXXX and I got a call from the President of XXXX XXXX of which indicated the funds were cleared and ready to transfer back to my person ; till now Im unable to get that money even after XXXX from President XXXX office called and confirmed everything. This is theft and delay. PLEASE HELP. XXXX XXXX XXXX # XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX WASHINGTON DC XXXX
First of all, I am the co-signer of a private student loan that my son applied for in 2008. My son began having financial difficulties and I began making payments on the loan periodically and recently paid over {$4000.00} to bring the balance down. My son recently died. When I contacted the company to request options for decreasing the interest on this loan, they put me in " forbearance '' status. I did not request this and I did not fill out any form to ask for forbearance. I would like to request a co-signer release given how much money I have paid out on this very old loan. On their website it states " forbearance prior to co-signer release may disqualify me and that a direct debit electronic payment may be necessary prior to requesting co-signer release. I paid {$200.00} which is more than requested this month ( my son died only 1 1/2 weeks ago ) so to put me into forbearance status when I made a payment and there were no payments overdue, was unethical.
I have sent 2 letters telling them to remove these inquires that I did not authorize they have totally refused to do this that the credit reporting agency has to do this. I want verification of that I gave to them to do a Hard Pull on my credit report, if they don't have this verification I want the inquire to be deleted now off my credit report
Denied refinancing at a lower interest rate by SPS ~ Select Portfolio Services. This occurred while I was in XXXX with XXXX - XXXX. I had a XXXX and per doctor 's orders was not to be on my XXXX this time. I did the best I could, keeping up with my bills while only receiving partial pay of {$XXXX} per week from XXXX/workmen 's comp. At this time I was employed by a XXXX. Approximately two weeks prior to returning to my job they made the decision not to hold my job for me any longer, and I was terminated on XXXX XXXX, 2011. I got very behind on everything during this time period and applied to SPS to refinance my home at a lower interest rate, in order to lower my monthly mortgage payments. They rejected my application, while still charging me a 10.75 % interest rate on my home mortgage loan. According to current laws this is predatory lending. They have me over a barrel, as I had gotten farther and farther behind. I kept appealing their decision and finally they gave me a proposal for repayment which XXXX my monthly mortgage payment from approximately {$850.00} per mo ( which I was unable to afford ) to over {$1500.00} per month in order to repay the monies that I owe them. All the while the interest rate has never been lowered and is still the 10.75 %. We have been fighting them with an attorney for over a year now and they recently denied our filing stating we could afford the {$1500.00} per month for a mortgage payment. That is currently 47.5 % of my gross monthly income, which puts a real financial hardship on our household when considering other monthly living expenses. 








































.
In   XXXX  , I obtained a mortgage from  Wells Fargo to p urchase an investment property. I 've never missed a mortgage payment since. In   XXXX   XXXX  , there was fire damage to the property caused by the tenant at the time. I filed an insurance claim and received an amount that ' s 2.4 times th e mortgage I currently owe  Wells Fargo. At about the same time, I have received an offer from another investor wanting to buy the pro perty as-is, but I have a HELOC on the property as well through another financial institution that I was going to pay off using the insurance proceeds. Since the insurance check was made out to  Wells Fargo and me, I called Wells Fargo 4 TIMES in less than a week explaining that I had a   buyer lined up to buy the house as-is and would like for them to endorse the check and send back to me in time for it to clear and close by   XXXX  . Each time, the claims dept said ok. I even sent the check  Next Day mail and included a Next Day return envelope ( at my expense ) so I could get the check  back prior to my  XXXX  closing date. On  XXXX , I received the pre-paid Next Day shipping envelope I sent them but it was empty. I called on  XXXX  and only then was I told that the funds were put into escrow and paperwork sent me to detail how I was going to fix the property!!! I have now had well over  15 conversations  with different  Depts at Wells   Fargo in  less than a month, including with a  XXXX   XXXX  at thei r Executive Solutions (? ) Team but they keep asking for an insurance adjustment sheet for   repairs to the property. Last week, their collections dept even called me stating my mortgage is past due ( which means there 's a real chance my credit will be affected ) WHEN  WELLS FARGO HAS MORE THAN TWICE THE AMOUNT I OWE THEM!!! I keep telling them to deduct  the mortgage balance and send me the rest, but NO ONE seems to care ... for some insane reason! After faxing the worksheet ( which I 'm still n  ot sure why they need it as no one has explained it to me ), I am told it may take another 30+ days for the funds to be returned me!!
In my opinion, this is a blatant example of how a trillion dollar company uses their weight to crush the average person because they can. I am missing out on selling the property ; my Federal tax liability was not paid on time ( as I made plans based on them endorsing and sending me the check back ) and my credit rating may be affected as well, not to mention the emotional toll of having to deal with front line reps who are completely helpless, providing me canned/templated policy responses! On top of all this, they 're making money on my misfortune because the property is still incurring {$2.00} in interest A DAY while they hold on to the money I 'm counting on to pay them off! Should I be considering legal action instead?
I NEED EXPERIAN TO REMOVE ALL DISPUTES AND DISPUTE COMMENTS FROM MY CREDIT PROFILE. I AM TRYING TO GET A HOME LOAN AND I CAN NOT GET IT UNTIL ALL DISPUTES AND DISPUTE COMMENTS ARE COMPLETELY REMOVED.
XXXX  XXXX XXXX has misinformed me about my loan for the life of the loan which originated in XX/XX/XXXX. I was not made aware of various forgiveness programs that would have significantly reduced high payments/ interest. Instead I was ALWAYS advised and encouraged to place my loans in forbearance. Recently, I have tried to reduce my payment and was given the run around by XXXX  XXXX XXXX to the point where I hired a third party student loan advisor that provided me with much more information about the government programs that were available to me, something the Fed Gov has enlisted XXXX  XXXX XXXX to do. Due to their inept mismanagement of my account. I have accrued alarming interest rates on what once was a modest loan. Just one example of this is while being given the run around to be placed on an affordable payment plan via a programs available, I was charged {$25000.00} in interest between XX/XX/XXXX - XX/XX/XXXX ( Yes that's one month ) which seems virtually impossible when you consider my original loan amount was for XXXX back in XX/XX/XXXX. I have been repeatedly lied to in an effort to tack on the erroneous capitalization of astronomical interest rates. The most recent case of mismanagement and fraud from this company is a XXXX opt -out fee I agreed to pay with my debit card to finally get on an affordable repayment plan program, that I have been trying to get approved since XX/XX/XXXX. ( during which time my credit score significantly dropped and XXXX interest accrued. ) This company not only charged me XXXX but also charged me {$280.00} an amount that I did not authorize. I called them and the rep has no idea why I was charged that amount ... If I had not caught this fraudulent charge I would have taken the hit ... meanwhile I spoke to a supervisor who had to of saw the charge and mentioned nothing about it. I would like for the CFPB to look into this matter for me because what XXXX  XXXX XXXX is doing is completely predatory and criminal.
On XX/XX/2016 I opened up a checking account that had a {$300.00} sign up bonus. After I met the requirements, I contacted PNC via chat. I was told the requirements for direct deposit and debit transactions was complete. I also inquired if there was a minimum balance I needed to keep in the account and I was told no.When my bonus did not post, I inquired again and was told an investigation would be initiated. When I did n't hear back, I inquired again and was told I had not met the requirements. In addition, I was charged a {$25.00} checking fee for not keeping {$1500.00} in the account.
On XXXX XXXX, XXXX I mailed a dispute letter through USPS Certified Mail to Equifax disputing inaccurate and invalid accounts on my credit file. Equifax received the letter on XXXX XXXX, XXXX.Within 30 days I received a letter from Equifax saying that the invalid accounts where verified. On XXXX XXXX, XXXX I mailed another letter through USPS Certified Mail to Equifax asking for method of verification and proof of verification. Equifax received the letter on XXXX XXXX, XXXX. Within another 30 days I received another letter from Equifax stating the exact same thing as the first letter. The letter said the accounts have been verified. Equifax did not provide any proof or details on how the accounts were verified. On XXXX XXXX, XXXX I mailed yet another letter through USPS Certified Mail to Equifax asking them to delete the UNVERIFIED accounts from my credit file per the FCRA. Within 30 days I received a letter from Equifax stating again that the accounts have been verified. How can Equifax say that they verified an account and not provide information on how the accounts was verified? How can Equifax be allowed to willfully neglect FCRA and report inaccurate and unverified accounts on my credit file? This has caused me a lot of suffering. The Credit Bureaus makes billions from selling consumer information. They stand to make more money from consumers with bad credit, which is probably the reason that they refuse to do a proper investigation. The way they treat the powerless consumer is very unfair and unjust. If an account is not verified how can they be sure that the account belongs to me. Any company that has an account with Equifax can report inaccurate information onto your credit file without proper verification as long as they are paying Equifax. Please delete these inaccurate, invalid and unverified items from my credit file : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. Thank You
XXXX  will not remove old deragotory information from my credit report. It is m ore than ten years old. The statute of limitations has expired.
This is a continuation of previous claim. This is with regard to a HELOC that was granted to us on XX/XX/XXXX thru XXXX XXXX XXXX XXXX With your help I have been able to follow which companies have been involved inthe financing process of this loan. After XXXX XXXX granted this loan, it was turned over to HSBC. They serviced this loan from XX/XX/XXXX until XX/XX/XXXX, according to HSBC. However, from XX/XX/XXXX until XX/XX/XXXX, for four years, there was no correspondence from anyone with regard to payments being made or nt being made.. From some of the research that I have done, XXXX was involved in the serivcing of this loan. I was never notified by XXXX of any involvement in the collection of payments on this loan prior to being turned over to XXXX. No introduction to this company, no statements, no where to sent payments, on payment history, no record keeping furnished to me, no correspondence at all.
i applied for and was preapproved for {$500.00} on XX/XX/18. after verifying my identify by way facial recognition, providing my state issued drivers license and my bank statement for address verification, i was APPROVED and UNDERWRITTEN for {$500.00} credit limit. One week later, I received the card in the mail but never actually looked at it to verify any of the information. I activated my card and was able to use it one time for a transaction under {$35.00}. I checked the card and noticed it has my former last name, XXXX. I sent an email to XXXX to request my information be updated. Then randomly today, XX/XX/2018, I received an email stating my account has been closed.
On or about XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX someone with an intercepted copy of my California  Driver License was able to pay cash at the Federal Bankruptcy Court Clerk window to file three skeleton chapter XXXX cases without ever listing a single creditor. As I was not aware of the filings I never completed the documentation necessary and each was Dismissed and Closed without any creditors even notified. I was having financial difficulties at the time and would have utilized the filings to fix my status but as they were not filed by me I was unaware. 

I disputed this information with the three major Credit Reporting Agencies who of course violated the FCRA by not validating my concerns with the original credit furnisher but rather a third party not involved with this dispute. I was then recently told by law enforcement to file an affidavit with the Federal Trade Commission as a victim of identity theft during this non sensible event. 

XXXX XXXX XXXX XXXX case numbers XXXX, XXXX and XXXX are all completely bogus. No dollar amounts, nobody benefitted and only I have been harmed. I also had a direct conversation with the Clerk of the Court who stated he has never had a Credit Reporting Agency call to validate a case and that his court would never do that with a third party either. Please contact XXXX XXXX at XXXX as the Clerk to verify this info.
I received IRS Form XXXX for Tax Year 2016 indicating a discharge of debt by Discover Bank. My complaint here is not an admission that I owe or have ever owed this debt, I do not know at this time. I submit that if this was in fact ever a valid debt, it would have timed out years ago and the XXXX should have been issued long ago when it was clear the debt would not be repaid.
XX/XX/XXXX I made arrangements with XXXX that I would make smaller monthly payments due to financial strain and could not make the enormous monthly payments that they requested but I would make my payments, on time every month ( which I did ). I was surprised to learn that XXXX turned my account over to a collection agency ( XXXX XXXX ) who demanded the balance be paid in full. I spoke with a representative from XXXX and she stated I could make monthly payments which I did. I was later notified by XXXX that the balance needed to be paid in full or it would reflect negative on my credit report. I sent a check for the remaining balance and the account was closed in late XX/XX/XXXX. I recently checked my credit report and discovered that my credit rating dropped from the XXXX 's down to XXXX. I do n't understand why this account was ever turned over to a collection agency when I was making monthly payments on time. I am requesting that this be investigated and removed from my credit report. The status on the collection charge shows ... Status- " Paid, closed ''. Why am I being punished for an account that was being paid ( on time ) and now reflects my credit report as " negative ''?
I have been disputing the alleged debt Nationstar Mortgage , LLC claims their acting in the capacity as servicer for the XXXX since XXXX XXXX, XXXX. I 've reported complaints to the CFPB as well. Nationstar consistently submit fraudulent and false information. All the information Nationstar has sent to me and the CFPB has been contradictory. In an effort to get clarification on this alleged debt, I requested my FHA loan history data to compare it to what has been submitted to me and the CFPB. I 've attached the FHA Case Details sent to me on XXXX XXXX, XXXX. It further complicates the matter. The status of the alleged loan reported to the FHA is incorrect as well. I will be filing an FHA complaint with XXXX, Secretary and XXXX, Inspector General of the HUD Administration.