WillisBack/dataset-financial-user-claim huggingface dataset:
CitiMortgage Inc. is the mortgage company I have having issues with. 
Issue # 1 We purchased and maintained XXXX insurance through CitiMortgage Inc . This insurance was supposed to pay the mortgage in case the homeowner was XXXX or hospitalized. When my husband, who was a XXXX Veteran, became hospitalized in XXXX the policy was supposed to kick in, so we thought. But when we made a claim on the policy it was never validated. The policy was supposed to pay off the mortgage. It did n't. 
Issue # 2 After my husband XXXX in XXXX XXXX and I wanted to assume the loan. I was not allowed to do so. But I continued to make payment through various programs and other entities that I was told to by CitiMortgage Inc . But I was told that those payments did not go towards the mortgage. I do n't understand why. 
Issue # 3 In XXXX finally I was presented with a loan modification for my mortgage. The first set of loan modification papers were signed in XXXX. In XXXX I was presented with a new set of modification papers with a 'subordinate secured deed ' for {$38000.00}, which was not on the first modification that I signed in XXXX. Why was this not at all mentioned in the first modification.
I bought a home XXXX took out a mortgage and later filed bankruptcy. This mortgage was included in bankruptcy and the debt was discharged. The servicing rights to this mortgage were bought by CitiMortgage while still in bankruptcy and before the debt was discharged. After the debt was discharged, Citi was asked to reafrim but they refused. They continued to reporting this discharged debt to XXXX XXXX ( still do ) as current " paid as agreed. '' Now I receive notice that my mortgage is delinquent and Citi will not remove PMI until the late charges assessed post discharge are paid in full. 
The issues are if the mortgage debt was discharged in Chapter XXXX bankruptcy and payments are now voluntary how could the mortgage have ever be late. Second, since Citi continues to report the debt " paid as agreed '' to the Credit Bureaus, why are they telling me my voluntary payments are past due? Third, why are they charging late fees on discharged debt and are threatening to keep charging PMI until I pay late charges since payments are current? 
Citi would not enter into a reaffirmation, the debt was discharged, payments are voluntary and Citi said at the time of discharge if payments are not made they could still foreclose not that they would charge late fees. 
I have been unemployed since XX/XX/XXXX and have exhausted my retirement savings to avoid foreclosure while trying to find work - Citi has n't offed a bit of help! Just more and more grief ... Can the CFPB offer any suggestions?
I have been trying to cancel some monthly subscription charges on my XXXX card. I can not get in touch with the companies who are charging me. I changed my account number. XXXX allows monthly subscriptions to pass through to the new credit card account number. I was charged twice by a company that uses preditory marketing stratagies. They now have my new credit card information. Many companies large and small ; legitamate or completely dishonest know this monthly subscription loophole. The American consumer has to be protected from preditory, fraudulent and otherwise dishonest businesses. It should be easy to shut off the money flow.
My information was released along with that of many other consumers in the Equifax hack, putting me at risk for identity theft.
XX/XX/18- approximately 18,000 was stolen from my Kraken Exchange cryptocurrency account.

Emails were sent back and forth, Kraken does not have a phone number.

Kraken claimed my email was compromised, allowing a hacker to steel my cryptocurrency. Kraken provided no proof of this and law enforcement does not believe this was this case.

Detective XXXX XXXX XXXX XXXX XXXX XXXX   POLICE CYBER CRIME INVESTIGATION UNIT Office : XXXX Mobile : XXXX   XXXX  Kraken is a huge exchange and I am filing this complaint because in order to get authorized to buy and sell cryptocurrency, Kraken required a great deal of proof of identity, I had a password on my account and a XXXX. Kraken states that someone was able to change my password and once in, took the XXXX off the account. This should not have been allowed to happen! Kraken sends an email when someone tries to change the password. ( I never got this email which is why Kraken believes someone hacked my email account ) Regardless, with all the proof of identity that Kraken requires, why would Kraken allow a XXXX   code to be removed with a check mark? This code was needed to withdraw funds. Why was there not more security? That should be a red flag and further proof of identity should have been required.

My complaint is against the Kraken Exchange for not securing my funds with an in-depth proof of identity when a XXXX XXXX code is removed from a clients account.

This comment was included in the files given to law enforcement : " Update, client now appears to be part of mass compromise. Review ongoing. '' Kraken advised Detective XXXX to file a complaint through CFPB.
I have XXXX student loans with Wells Fargo that was to go in repayment period XX/XX/2015. I had been unemployed and I requested assistance from them to allow me time to find a job, catch up, and then I would make payment arrangements. In XXXX 2015 I was finally able to fit it in my budget to began some repayment and I made a partial payment. In XXXX 2015 I attempted to do the same however my accounts access online was deleted and when I contacted them, they advised me the debt had been charged off. I requested that they do not call me as they were calling my employer. I have since continued to receive phone calls. My latest conversation with them was a lady attempting to collect the debt, I advised her I was unable to pay the full balance and that I would be more than happy to make payment arrangements however they would continue to report the account past due until the full balance is paid, not just the past due balance. I advised her the amount that I could pay per month and she advised it would take 10 years to payoff the amount and that each month until satisfaction the account would be reported late. I dont feel this is fair to the consumer that if I brought my account current and made payment arrangement, why wouldnt they assist in updating my credit to reflect paying as agreed. I would love to buy a home in the next 10 years however a student loan debt is not the best way to go about it. I am requesting assistance from the CFPB to look into Wells Fargo Student Loan services and to see what type of agreement we can come up with.
I have a mortgage with Wells Fargo Bank- Home Mortgage department. I fell 90 days behind on my monthly mortgage payments due to medical expenses during the past 24 months. In XX/XX/XXXX I filed for a divorce after being separated from my husband since XX/XX/XXXX. Although I was behind on the mortgage I was able to make monthly payments timely for 12 months but not able to bring the account completely current. I filed for a modification in XX/XX/XXXX and was denied. My estranged husband was court ordered to make the XX/XX/XXXX mortgage payment and subsequent monthly payments. He made a payment in XX/XX/XXXX and has not made a payment since. I contacted in the bank/ mortgage dept in mid XX/XX/XXXX and explained what was going on in regards to the court order. On XX/XX/XXXX I attempted to make a payment of {$2000.00} at a local Wells Fargo bank branch. The payment was not accepted and I was told to contact the mortgage dept. The representative at the mortgage dept. stated they were demanding the full payment of {$7500.00}. and nothing less. I then ask for and spoke with a supervisor who stated the same message to me. I can afford to make my monthly payments plus extra and want to remain in my home. I can not afford to bring the account current in one large payment. I have this with the banker and I was told they would not accept partial payments at this point. I need your help.
I put in a dispute with Citibanks credit bureau dispute department but they still refuse to change the reporting on my credit card, which shows 1 month late payment in the month of XX/XX/2016. I advised Citibank that during the month of XXXX and XXXX, I was in XXXX visiting family for XXXX and I was involved in a car accident. I was XXXX  for 6 weeks and could not get back home to the US and did not have to my check books or online login to pay my credit card because my laptop was smashed in the accident and my login info was stored on the notes in my laptop and autosaved in my web browser, so I did not have access to this info when I was XXXX. I requested from Citibank to understand my situation and remove the " 1 month late payment '' reported on my credit history, but they refused to take action. However, XXXX XXXX XXXX XXXX understood my situation and they amended their records to remove the 1 month late payment they had similarly imposed on my account with them. I do not understand why Citibank can not understand this matter!!!??? 
Before XX/XX/2016 and after that month, I have been running my account in a pristine manner and have run my 2 accounts with them without ANY late payments at all ( my credit score of XXXX at present ).
I received a phone call from Dynamic Recovery Solutions at XXXX. 

After calling me, they called my mother in another state. They told my mother should can pay the debt for me. 

No debt exists. All debts I owe have been paid.
Disputed statue of limitations of tax lien which has been paid to the State of CA for over 4 years now. Tax lien was placed on my credit reports on XXXX/XXXX/XXXX. XXXX reporting agency has since removed the lien judgement form my report. Transunion is refusing too, stating that the lien will stay on my report for an additional two years because it was paid off in XX/XX/XXXX. They give this reasoning based on the FCA, but what I have read states that if the lien has been paid that it is only supposed to stay on your report for seven years from the date that the lien was issued. Please assist. I do not know what else to do to get this inaccurate information removed form my Transunion credit report.
I was called last week ( date not remembered ) by someone asking for my name but would not identify themselves or why they called ; other than they were with ERC. 
I asked this person to stop calling. NOTE : I do not have debt in collections ; I pay all of my bills " on time ''. Two weeks ago I was called by someone from ERC. 

On XXXX/XXXX/XXXX I received another call from the number identified in my caller ID. 
I went on-line and Googled the number. It is for " ERC '' ; a debt collector. 

I have asked that they never call my number again - but it has not worked for me. 

I am a senior citizen and wary of " SCAMS ''. I believe this is a scam because I do not have any debt in collections. I have severe XXXX XXXX XXXX, XXXX, XXXX XXXX conditions, etc. Please make these people stop harassing me.
I have a home equity credit line secured many years ago with now defunct XXXX XXXX. TD Bank took over the loan and began annually requiring a myriad of financial information that was never requested by XXXX. The loan is in good standing and my FICO score is excellent. I consider this age related harassment ( I am over XXXX years old ) and want TD bank to cease this annual harassment ritual
I cant remember the dates exactly but i disputed, sent letters 3 different times this year about removing unauthorized inquiries to XXXX XXXX and TransUnion. The inquires were Auto Financing companies.and other companies XXXX XXXXXXXX auto financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX
On XXXX/XXXX/15, I wrote a check to Caliber Home Loans for a mortgage payment of {$1800.00} for my mortgage payment. Someone from Caliber Home Loans physically wrote /altered my check and wrote {$2800.00} below the amount on the check although it clearly states {$1800.00} on my check. My bank ( XXXX XXXX cleared the check for {$2800.00} which caused fees and overdrafted my checking account and held my money for days. I personally went to the bank and they advised me that they sent the check back for a " coding error ''. ( I pointed out to the XXXX bank manager that it is not legal to alter a check. They did not seem to care XXXX, however, the check should have been destroyed.I further notified Caliber to report the problem. Although I was contacted, they were not at all helpful and did not seem to care that XXXX of their representatives fraudulently altered my check. I thought the issue was resolved, however, on XXXX/XXXX/15. the SAME check reappeared debited out of my bank account to which it says " this is an image of a check which was reported missing or destroyed. I again contacted my bank to which I was charged fees etc. who put a stop payment on the check as I requested. The bank did not seem concerned in the least that a photocopied check was submitted although their own checks reveal that checks that are altered or photocopied should not be cashed. I then contacted " XXXX XXXX '' from Caliber Home Loans who stated that she looked into the matter and reported that " it was an oversight or accident '' that someone wrote on the check, however, claimed Caliber never sent in the check again for processing. On XXXX/XXXX/15. I received a letter from Caliber that I was charged money for the " dishonored '' check. I also noticed an additional fee on my mortgage statement. I was not the one who altered the check nor caused this situation. Any other individual who altered a check would be arrested!
I continue to receive inquiries on my credit file from chase bank. I have already reached out to chase to inform that this is fraudulent. I have an extended fraud report under all three credit bureaus that I have a fraud alert ... but yet chase continues to NOT CONTACT ME prior to extending credit knowing this is fraudulent. Every time I contact their so called fraud department, customer service claims to take care of it. I have yet to have any inquiries deleted from chase let along, more inquiries as of today X/XX/17 happening again..why is chase continuously letting someone apply for credit under my social without contacting me? This is ruining my credit.
Wells Fargo dealer services is reporting a 60 day late on all credit reports. I was told by XXXX in their collections department that if I paid a set amount they would move my XX/XX/XXXX payment to the end of my loan and I would not receive a late mark on my credit. Wells Fargo did not follow through and I now have a 60 Day late mark, even though I completed everything that was asked of me.
My credit report from Experian has an address listed for me that I have never lived at nor had any association with. I would like this inaccurate information removed from my credit report.
Dear can I am trying to apply for refinancing under harp. And Ocwen. Has put me. Late payments. When that is not true and banks are denying me for a principal refuction
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This account has been removed from my credit reports XXXX on XX/XX/XXXX ( XXXX ) XX/XX/XXXX on XX/XX/XXXX. ( XXXX XXXX XXXX XXXX XX/XX/XXXX. ( XXXX ) As of XX/XX/XXXX there has been a new attempt placed on my credit report for this debt from XXXX XXXX, collection company Stellar Recovery INC . 

XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 

Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. 

If you are not satisfied with the results of your dispute request investigation, you may complete and submit a Request for Investigation directly to XXXX and XXXX at the address below, along with any supporting documentation. You may also request that XXXX and XXXX add an explanatory statement of XXXX words or less to your credit report.
I got a loan from a Payday Place in XXXX GA. When I took the loan out 3 mos ago they told me that it was an installment loan and i agreed i didnt have to put any of my stuff up the man behind the counter told me he already took care of that. I asked him and he showed me a paper of many items on a list I told him that I dont own any of that and he told me dont worry that he makes up paper work all the time so he told me my 1 st payment will be around {$70.00} dollars because I am on SSI check I get once a month. I get {$680.00} to live on a month for myself and my younger son. I went into pay my 1st payment and since i was 1 day early I had to pay a fee of {$110.00} that upset me I asked the lady where that man was that took my loan app. And she said that he is not with the company anymore so they moved me from a installment loan to a 30 payday loan i could not pay {$700.00} back to them so the lady told me that she will keep my payments low. On XXXX XXXX XXXX I called Insta Loan in XXXX Ga, and told them that I am sending a friend in to pay my payment of {$70.00} i told them i was sending a little extra of {$80.00} dollars The lady was very very rude to me she said that since i was paying early that i had to pay {$90.00} and if I didnt pay that it will cost me each day of being late {$35.00} dollars. They have called me everyday for 10 days now and told me that I have no rights. They called me day and night and even on there own cellphones. I called then yesterday XXXX XXXX XXXX and the lady at Insta Loan told me that if I did have {$200.00} To her I will be in jail she was so rude to me My XXXX are falling apart ehat can I do. Thank You.
I am a customer of PHH Mortgage. My monthly mortgage payment is {$2200.00}. All of my payments to are up-to-date, and I have in fact overpaid them as I will demonstrate. In XXXX 2015, there was a small change in escrow ( {$96.00} ) for my payment which I did not notice, and I paid the historical monthly amount. I noted the error the next month, made the catch up payment for prior month 's escrow, paid the new monthly amount, and called PHH to report the mistake. I was assured in XX/XX/XXXX by PHH that all amounts would be applied pursuant to my intention. After six months, they have failed to correct the issue in spite of my repeated and consistent calls. I have spoken with XXXX, with XXXX XXXX, XXXX XXXX and a number of others at PHH. I also followed up in writing with XXXX and XXXX. Not only have they not corrected the error in over 6 months, I was incredibly disturbed to receive correspondence ( attached ) dated XXXX XXXX, 2015 indicating that I owed PHH {$11000.00} and that payment was due just three days later! This is reprehensible! On top of that, I received a communication dated XXXX/XXXX/2015 indicating ( for the first time ) that my escrow amount was changing effective XXXX 2015. Ironically, the amount went down, so I have actually been overpaying what I owe them from that date to now. Mortgage servicing is one of the most important functions in our American economy. Family financial security, credit ratings, and accessibility to affordable home financing are dependent on an efficient administration of mortgage debt. PHH is not up to the task.
Funds withdrawn without my consent. Contacted Wells Fargo regarding a monthly withdrawal for insurance we never needed or wanted. 
Withdrawal Start Date : XX/XX/XXXX Monthly Withdrawal : {$24.00} Company Withdrawing : XXXX XXXX XXXX XXXX My financial advocate was going over my checking account and noticed a fee being withdrawn monthly. I told them I could not get out of paying because every time I called Wells Fargo they told me I had to pay this. My financial advisor told me I did not have to pay this.

Never wanted the insurance.Called many times to cancel but they would not listen to me. I contacted Wells Fargo and told them to cancel this ( XX/XX/XXXX ) and they finally did because I told them I was going to place a complaint with the Consumer Financial Bureau. When asked about all the monthly withdrawals being reimbursed, they said they had a recording of me saying I wanted it. I asked for an audible recording of me agreeing to this and they said they could not supply it.
Notice violations under the FCRA : The CRAs are repeatedly failing to identify their source within their responses to the prior disputes related to the incorrect public records listed on my credit report. 
The three Bureaus are not investigating and not providing the third party vendor.

Rule Violated : A creditor fails to notify consumer when it supplies negative credit information to a CRA. The Credit Bureaus/CRAs have failed to identify the vendor or source of the two public records listed on my credit report : Pursuant to Federal Bankruptcy Court rules is the court does not supply the credit bureau ( s ) with any court records.

Equifax ( XX/XX/2018 ) does not list the VENDOR or SOURCE who provided the public records, as the address on the public record is Notice violations under the FCRA. 

XXXX ( XX/XX/2018 ) does not identify the VENDOR or SOURCE of the public record as the address on the public record is Notice violations under the FCRA. 
XXXX  ( XX/XX/2018 ) does not identify the VENDOR or SOURCE of the public record as the address on the public record is Notice violations under the FCRA.
XXXX XXXX XXXX has been attempting to collect a voided debt from XXXX Credit Card for years. They called my in-laws in XX/XX/XXXX. Today,XX/XX/XXXX, they called at XXXX XXXX. and would not tell me who they were because I wouldnt verify my social security number and address. I hung up and would like this nonsense to stop. The debt it no more, yet they still contact me and my family members.
I have been a customer since  XXXX    XXXX   and paid annual fees on my business credit card every year ; I had  t  hree Capital One c redit cards in total. My Spark account number ends in  XXXX . On Thursday (  XXXX  ) morning I was declined for a purchase in  XXXX , OH while on a business trip. I learned that  Capital One h ad closed all three of the credit card accounts. Front line customer support will not provide any information. The  Executive Relations office also would not provide any information.      The mailed letter on the  XXXX  card says " We have observed activity on a past or present  Capital One  account that is not consistent with our expectations of usage for personal, family, or household purposes. '' This  XXXX  card is a business account, so the reason does not make sense. The mailed letter for the  XXXX  card contradicts this first letter and states " We have observed activity on a past or pr esent Capital O  ne  account that is not consistent with our expectations of usage for commercial or small business purposes. '' This card had not been used for over  five ye  ars, so again the letter is non-factual and n on-sensical. The third, most recently opened  XXXX  card did not receive a letter at all and was closed.     Aside from not providing a valid reason for the credit decision to close my accounts, I was told by a phone rep that the rewards for my pending charges would be made available for redemption. I had a charge on  XXXX   XXXX  that posted on  XXXX   XXXX  for which the 2 % cash back was not made available. The amount of the charge is {$9500.00} and the cash back should be {$190.00}.     I called several times to try to resolve their failure to honor the cash back on this purchase. During this time  Capital One  charged me a {$39.00} late fee and {$41.00} in interest charges while it researched its own internal failure. I paid off the balance on this and all accounts, and I have a long history of 100 % on-time, full balance payments.