WillisBack/dataset-financial-user-claim huggingface dataset:
Citibank sent several to text to my Cell phone without my consent. On XXXX XXXX, XXXX, I received XXXX texts to my phone number XXXX from the Citibank fraud department inquiring about a fraudulent transaction with my debit card in West Virginia. The online account ( opened in XXXX or XXXX ) was not compromised so there was no need to change the user name or password. I had conversations with Citibank on XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and I asked numerous representative how did they receive consent to send texts to my cell phone. Citibank had sent text prior to this incident. I asked them to send me a letter stating when they received consent. On XXXX XXXX I received my new debit card and attempted to add it to my online account. I was able to access the account with my old user name and password. I needed to add the new debit card number to the account and it should have provided me with full access. ( The usual process is to add the new debit card number to the online account and I have full access. ) I was able to access the account but with limited access because the new debit card could not be added. The rep went through several trouble shooting steps and said I needed to register for a new account to access my current account. I asked why and she said it was to access the account. I was asked to add a new user name and password and to accept new terms of agreement and I cancelled at that point. 
I have been able to access my account with the old user ID and password with limited function under my old user name and password up until Monday XXXX XXXX, XXXX. Today I was told my old user ID and password were no longer active because I set up a new user name and password which I did not. The system indicates that the terms of agreement have to be accepted for a new account to be used or setup. The rep said that the system must have pushed it through without my consent. 
I am no longer able to access my online account. Since I started to inquire about who gave Citibank authorization to send text to my cell phone. I have had difficulty accessing my account to pay my bills and access my balance. Now I am told that I set up a new user ID and Password and this was pushed thru the system. I was told that I provided consent and to check my account yesterday, to receive text and now I am unable to access my account to verify this information and they refused to provide the date that I supposedly consented. Citibank is preventing me from accessing my online account which is linked with my savings, checking and credit card account. If a new online account was established with a new user name and password then it done without my permission.
I called XXXX  hundreds of times over several months and XXXX  continues to display inaccuracies on my credit report. I consolidated my student loans under a new loan. I told XXXX the Navient accounts were closed. XXXX insulted me when I called and refused to remove the inaccuracies even though all 10 Navient loans are closed. XXXX  denied me the right to dispute inaccuracies on my credit file without mailing me a letter stating my disputes are " Frivolous ''. That is a violation of the FCRA. I stated to XXXX that they were violating FCRA and they just hung up in my face.
I ma an XXXX XXXX XXXX veteran and I had sent my loan company DiTech Financial my Property tax adjustment in XXXX. This was not adjusted and I had to call back in XXXX. Again it was not adjusted and I had to call again and speak with a Supervisor on XXXX when my account was finally reanalyzed. I was also informed that in XXXX the account should have gone under an automatic anazlysis of my account when i first requested it and submitted my state documents for the adjustment of my property Tax. 

Here we are in XXXX and my payment has still not been adjusted. They have issued my refund and my payment has not adjusted by the {$210.00} I was told it would adjust by. This is the XXXX month where I have paid an additional {$210.00} and I believe this additional money is not being allocated to my principal but instead to someones pocket. 

I have called and called to try to get help having this adjusted and feel as though I am getting no where.
Debt collector called trying to collect on a debt I had paid more than a month prior to the calls and letter. They began calling me before I had received their letter in the mail. I did not recognize the number and I was at work so I did not answer the call. They then called hourly for the next XXXX hours until I did answer. When I said " hello '', I heard the " ringing tone '' as though I was calling them or was being redirected. The lady who answered asked me to verify who I was. I said that, since she had called me, I would like to know who was calling me. She asked me again for verification. I asked her to identify herself. SHe mumbled her name quickly. I said " I 'm sorry, I did n't catch that. '' She again asked me to verify who I was. I again asked her to identify herself. She ended the call at that time. I blocked the number after that because it seemed shady. I later received their letter in the mail at which time I noticed that the number that had called me was for this collector. 

Additionally, the size and placement of the logo at the top of their letter makes it appear, at a glance, that the name of the company is " OHSI ''. This " OHSI '' is the largest and most noticeable thing on the letter. Although their actual name is listed many times throughout the document, the logo/placement could make it difficult for more vulnerable demographics ( elderly, etc. ) to search for and find this company online ( and consequently make it harder for them to identify who the company is in things such as the step of the CFPB 's process that asks users to identify the company ).
I have, on numerous occasions, reached out for proof of late payments. They have yet to provide any valid, verifiable verification. They dont provide any response whatsoever unless its from a CRA ; which is also questionable.
Since XXXX of 2018, I have been attempting to get a copy of my credit report and file disputes. I have been able to send in letters for dispute and receive e-mails from Equifax that my disputes are available to review on line. 

However, I am never able to go online due to the system being down each and every time. 
I have made numerous calls to Equifax and always get the same response. The system is down for repairs and I always state the same thing how long will the system be down because I have been trying each week for months and now it has been 9 months. 
Equifax says keep trying. 
I am never able to view any results and I am always asked the same questions about my report. I don't know some of the answers because I am not able to view the report. 
It has affected employment due to an investigation into my Equifax reporting incorrect information. 
To date, I am still not able to view anything online and I paid for access to the reports thinking this would resolve the problem, which it hasn't.
I have a mortgage loan with Firstbank Puerto Rico. The monthly payments are extracted directly from my bank of account every month by Firstbank. The monthly amount is {$1100.00} for which {$790.00} corresponds to the mortgage payment and {$330.00} additional payment to principal. 
XX/XX/2015 I sent a letter to Firstbank requesting to change the bank account number they had in records for the direct deposit since I was closing the account. See attachment. 
XX/XX/2015 Called the bank and made payment over the phone to cover XX/XX/XXXX for the amount of {$790.00}. Received email confirmation that the payment over the phone was processed. See attachment. 
XX/XX/2015 Received a letter from Firstbank dated XXXX/XXXX/2015 stating that the draft in the amount of {$1100.00} has been returned due to insufficient funds. Total amount due : {$880.00} includes {$38.00} late charges and {$45.00} NSF feesXX/XX/2015 - Received a letter from the bank dated XXXX/XXXX/2015 confirming the request to change the bank account number for the automatic debit. 
XXXX/XXXX/2015 - Called the bank to confirm that the new account number was in placed and that the payment for XX/XX/XXXX is being extracted from the new account. The CSR confirmed that the account number was changed to the one I had requested. She also informed me that XX/XX/XXXX was past due. 
I sent a letter ( claim ) requesting the payment made over the phone on XX/XX/XXXX to be applied to the month of XX/XX/XXXX and send bank statement showing that there were sufficient funds in the account and that money came out of the account. See attachments. 
XXXX Mortgage payment extracted for Firstbank for the amount of $ XXXXXX/XX/2015- Called the bank and CSR confirmed that the payment for XX/XX/XXXX was made and now XX/XX/XXXX was pending. I explained to the CSR that the payment for XX/XX/XXXX was made on XXXX/XXXX/2015. She asked me to check in a few days to check if it was applied. 
XX/XX/2015 Called the bank and the CSR informed me that the payment for XX/XX/XXXX is past due. I requested to speak to a Supervisor. I spoke with XXXX XXXX and he said she would check the situation and would call me. 
XX/XX/2015 Called the bank and spoke with XXXX XXXX XXXX XXXX He saw all the transactions in the system and confirmed that the payment for XXXX was applied to XX/XX/XXXX and the payment for XX/XX/XXXX made over the phone was in some kind of " unclassified '' account. XXXX XXXX told me that he discussed his findings with the XXXX XXXX XXXX. I spoke with XXXX XXXX and he said that he already submitted everything to " them '' and we were waiting on resolution. ( call duration:62 minutes ) In order to avoid having the same issue in XX/XX/XXXX, I made a payment over the phone today for the amount of {$790.00} to cover XX/XX/XXXX. I also ran a personal credit report from XXXX and it shows the account on status " 30 days late ''. I would like to see resolution of this situation as soon as possible and would like for the bank to work with the credit agencies to fix the rating information.
Shellpoint Mortgage Servicing ( shellpointmortgageservicing.com ) incorrectly took extra interest from me that was not theirs TWICE. The first time, they applied extra principal I added to my monthly payment to interest. I tried to resolve this by phone which supposedly would take a few days. When I logged on to my account a few days later on XXXX, I noticed Shellpoint Mortgage Servicing postdated my extra mortgage payment nearly a month ( from XXXX to XXXX ) and unfairly took an extra month 's interest once again. I noticed this by checking my payoff amount, reduced by more than extra month 's interest ( see attached documents ). Mortgage companies must ensure that they are able to apply principal payments correctly and timely so consumers are not forced to pay interest not due, in my case, paying two months of interest in one month. Does Shellpoint have the ability to fix this issue in accordance with fair lending practices, compliant at the state and federal levels? I request that my principal payment be applied at the time it was received by the company and the payoff be amended to its real amount. Thank you.
I WAS CONTACTED BY A COMPANY CLAIMING A DEBT OWED WHEN THE APARTMENT IN QUESTION DID NOT BELONG TO THEM WHILE I LIVED THERE I HAD MOVED OUT BY THE TIME ESCROW CLOSED NO CONTRACT WAS SIGNED OR IN EFFECT SO I DO NOT OWE THEM ANYTHING. THEY ALSO ACCEPTED THE PROPERTY AS IS. THIS IS OVER 3 YEARS AGO. THEY ARE USING NATIONAL CREDIT SYSTEMS INC OUT OF XXXX, GA AS THE COLLECTION AGENT THE CREDITOR IS XXXX XXXX XXXX  OUT OF XXXX CA
Kay Jewlers will call from blocked numbers, random numbers and blocked numbers at all hours M-S, even at night or very early sometimes 15 times a day.
Caliber Home Loans gave me a courtesy call after the denied my last claim XXXX. The representative was very nice,, but had very little information regarding my case. After more than 40 minutes on the phone, she advised me that my escrow balance we incorrect because I did not make a payment in XXXX. I was also told that my escrow account was converted to a ancillary account. I went back to the office and researched my bank records, and I did find my XXXX payment which had cleared. I did call back Caliber Home loans the next day, after i was transferred to 3 different representatives and verified my billing address the same number of times, I spoke to a representative named XXXX, employee number XXXX. After 20 minutes on the phone, I was told that the XXXX payment was actually made and the previous person did not dig deep enough. 
I asked XXXX that Your monthly payment for Principal and Interest ( P & I ) is {$790.00}. You made a payment on XX/XX/2016 of {$1200.00}, with {$400.00} going to escrow and you made another payment of {$1200.00} on XX/XX/2016. You later made a payment of {$1500.00} on XX/XX/2016, with {$700.00} going to escrow and another payment of {$1500.00} on XX/XX/2016, with {$700.00} also going to escrow. Therefore, you believe four ( 4 ) payments, totaling {$2200.00}, should be deducted from your escrow balance. The past due escrow of {$8500.00}, less the {$2200.00} should leave {$6300.00}. 
I asked him how XXXX got their balance and he responded " That is just the way it is '' I was also told that I need to call the escrow department, that he did not have any numbers to help me, I told XXXX, that my account was switched to Ancillary and XXXX told me that is incorrect.
I submitted a CFPB Complaint on XX/XX/XXXX-XXXX. 

Response dated XX/XX/XXXX from CHASE states my loan Trial Period Plan is APPROVED. However, the trial plan would be sent separately once generated. However, a Trial Period Plan payment letter was generated on XX/XX/XXXX Did they not see this letter generated? Representative 's at CHASE explain that this letter should not have been sent as they see that the Modification was denied by Final QA and returned to Underwriting. An explanation on why it was returned, is not in the system. Therefore, they were not able to advise of reason why it was returned to underwriting.XX/XX/XXXXI spoke to XXXX XXXX from the CHASE-Executive offices. He stated that my Modification, was NOT approved. That letter dated XX/XX/XXXX advising me of my Trial Payment being DUE was an error or glitch in the system. That my Modification had been rejected from Final QA and they are pending a response from the Underwriting Department.XX/XX/XXXX, I spoke to by Relationship Manager XXXX XXXX, whom also advised that my Modification was NOT approved. That she would send e-mail to the Underwriting Dept. as she could not give me a response as to the letter I received and that she was not able to view it in the system. I advised I complied with the 1st Trial Payment and made the {$1200.00} payment. I would appreciate that the Executive office responding to the CFPB complaint provide accurate information and not further provide inaccurate retention approval and their response is unacceptable. Time is of the essence and CHASE inability to communicate efficiently, provide false retention assistance/approval, may put my loan to potentially be referred for Foreclosure.The response is misleading as the Modification has not been approved.
XXXX is wrongly reporting late payments on my credit reports for my secured credit card. They should remove the late payments or delete the Account in it 's entirety. Ask Transunion to delete the account asap.
XX/XX/2018, Inquiry Date Inquire Name Chase Card Business Type Bank Credit Cards Contact Information XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ) XXXX
I called the bureau to remove inquiries that I did not recognize from my report they refused and proceeded to tell me that the inquiries were correct.. It was also several variations of my name, addresses, and phone numbers that were not mine on the report.
I have never done business with Navient. Further, Navient can not provide original documentation proving that I ever did business with them ; therefore, their claims are invalid. They continue reporting to the credit reporting agencies monthly that I have missed payments ; however, I have NEVER done business with them. 

I have reported this to the Consumer Finance Protection Bureau, but the CFPB has done absolutely nothing. 

I have also reported XXXX XXXX XXXX. XXXX is now closed ; I quit attending classes there when I realized that they were a scam. They generated loans without disclosing the amounts to me and lied to me to attempt to keep me as a student. I reported their crimes to the CFPB and the CFPB has done nothing. 

It has been a long time since I reported EVERYTHING to the CFPB IN FULL DETAIL and have yet to hear anything back. 

I have researched the CFPB and have concluded that the CFPB does absolutely nothing and is a waste of taxpayer 's money. 

Until you show me results, I will have to believe that you guys sit around and do absolutely nothing. 

After all - numerous consumers already state that that's what you do. Further, you have done absolutely nothing to help me. 

I want the CFPB to be audited and to also FINALLY take the initiative and time to assign an investigator to my claims against both Navient AND XXXX XXXX XXXX. 

You say that it's your job to enforce rules to keep financial companies operating fairly. When are you going to actually do your job?
Somebody named XXXX XXXX is telling people to not give me a checking account, I did not authorize this XXXX to collect data on me or to report on me
I had a dispute with XXXX XXXX XXXX about XXXX. I have a written renegotiation of my contract that XXXX defaulted on and turned off my service. I stopped paying and sent back their equipment. They turned the bogus collection over to Credence Resource Management and Credence sent me a letter. I sent Credence an email on XX/XX/XXXX, telling them that I did not owe them any money and I did not owe XXXX any money and informed them to NOT contact me again about this bogus claim. I received another letter dated XX/XX/2018 about the bogus debit. This is a clear violation of the XXXX.
After CFPB sent my original complaint to SPS, they sent a short sale approval letter to my attorneys with items needed to close the short sale. Thank you. However, they have not provided a release from liability for me. This is now my third complaint submitted in less than XXXX months regarding this company 's deceitful practices. They are now claiming they have to get the investor 's approval to obtain the release from liability. However, I have a letter from XXXX XXXX XXXX XXXX department stating they ( XXXX XXXX ) are only the trustee of the trust and all decisions regarding this loan are made by the servicer WHO IS SPS ( they claim ). 
I have attached the letter here. The only problem I could see with them not providing this release is if XXXX XXXX is not really the investor and maybe XXXX XXXX XXXX is the investor since SPS now refers to themselves as attorney-in-fact for XXXX XXXX XXXX. I have also attached XXXX letters XXXX from XXXX XXXX I received in answers to XXXX sent out in XXXX. One stating XXXX XXXX is the investor ( but lists an address in South Carolina and there have never been any XXXX XXXX in SC ). The second letter from XXXX then states XXXX itself is the investor on this loan.
I have attempted to have an account from XXXX XXXX removed from my credit reports. I contacted each of the 3 major credit bureaus explaining that I do not have an account with neither of the companies listed on my credit report ( XXXX XXXX   or XXXX  XXXX XXXX XXXX ). I was told I can enter a dispute which takes 30 days to complete. Each time I put in a dispute I literally received an alert within 24 saying my dispute has been resolved with know change. In mid XXXX I contacted each bureau again asking what is the method for verifying this is my account considering I'm reporting it does not belong to me. I was told they contact the creditor and if I want more information to contact the creditor directly. 

Starting back in XXXX I've reached out to the company XXXX XXXX XXXX XXXX collecting on behalf of XXXX XXXX. The first couple of times I called ( only verifying my named, I was told I took out a loan online in XX/XX/XXXX. I explained I don't know who this company is nor have I taken out a loan with them. I've also asked for documentation with my identity information ( SS, address, DOB, dates, times and my signature on it ). To this date I have not received anything from either company. I also made a point to ask why I never received any calls or delinquent letters of collection. Neither rep could answer my questions. When I did a check on XXXX XXXX through XXXX XXXX XXXX XXXX, I see that XXXX XXXX XXXX is dissolved. I mentioned this to XXXX XXXX and basically that was brushed off and they still asked me to pay them. 

I need immediate help from CFPB, my identity has been stolen 4 times within the last 7 years. This is not my debt and I would like it removed from my credit report immediately. Trying to resolve the issue with XXXX XXXX has been frustrating and time consuming to say the least. This is literally the only bill on my report and it is damaging my credit.
I have asked for them to investigate account from XXXX XXXX XXXX, they continue to report inaccurate information. 
I have asked them to send me the information they received that was used to verify the account they refuse. i requested for any documents that bears my signature, they refused, i have asked for them to re - investigate. they notified me that the will not re-investigate. So they are still reporting inaccurate info. on my report in 1681i which provides, in relevant part, as follows : If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by a consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information .... If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.
We have 7.25 % rate mortgage with HFC ( household Finance Beneficial ) They are and have been uncooperative in all aspects of business. They claim to have no fax, or email ... absurdly. 
When trying to refi, they strung us out as long as possible we waited a month for a confusing mortgage statement, consisting of XXXX pages ... ( via USPS ) the rates rose, and that hurt us, and also the new lenders could n't make sense of what was sent. " never saw anything like that before ''. It took weeks just to affirm our request, as the agents for HFC somehow did not understand what we wanted. about a dozen calls later, finally we are 'in-line ' for it. 
We currently are under a modification of 2 % less interest than normally, no help here either. 
Intentional Lies and confusion of facts and numbers ... long term as well
citimortgage modified a mortgage for my exhusband on a note we were jointly liable for. The modification extends the repayment terms - modifying the note from 30 to 45 years. 
My signature and name are not on the loan mod. I was not a party to it. However, XXXX still considers me liable, and my exhusband 's poor payment history continues to be reported on my credit.