WillisBack/dataset-financial-user-claim huggingface dataset:
My loan was with Citifinancial it opened before XXXX XXXX but that was the balance then. I called continually to work something out with them. No one could find the loan and I would get transferred and cut off. It was an old charge off from my divorce at one time. I wanted to get it taken care of. the # then was XXXX address was XXXX XXXX XXXX XXXX XXXX sc XXXX. It was under my old last name XXXX XXXX XXXX. Now I am XXXX XXXX XXXX. after attempts I would get someone and they finally had me call XXXX and accepted {$4000.00} to dept, offer settlement and said they would forgive loan and mail me forms to file with my taxes. I talked to XXXX and her " boss '' on XXXX mail XXXX by end of month put the ck to citifinanceial acct XXXX and write that on envelope and check. address was the same as I wrote above. I still have copy of the check so I know it went through. I was to call and check in 10 days. No one could tell me anything and kept getting cut off. I checked my credit report and now I have a loan citifinancial opened XXXX XXXX and a XXXX XXXX citifinancial for XXXX. I do not know what to do. No one helps me and I even sent a long letter like this. HELP. XXXX XXXX XXXX. If I do not refinance my home in the next 2 years, I will lose it. Right now I ca n't because of this. my phone is XXXX address is XXXX XXXX XXXX XXXX mn XXXX email is XXXXXXXXXXXX. Please help me
XXXX XXXX XXXX XXXX has the wrong social security number for our contract .the contact does n't match up with our real social security number.
I make my payments regularly, in advance, of the due date. The bank 's own systems are showing discrepancies in the payment due dates causing phone calls and questions about non payment. The customer facing portals show the next payment due as scheduled, however, the payments I make, on the bank 's side, did not assign to a month. 

The payment portal online shows as a transfer between deposit accounts and the loan, it does clarify where the payment is going to principal, principal and interest ( regular payment ), and interest. Therefore, when paying regular payments, I make 'transfers ' as a principal & interest payment. 

***An example*** {$10000.00} loan, {$100.00} regular payment due monthly : - I make a transfer ( P & I ) to the loan due XXXX on XXXX, next payment due on the consumer portal advances to due XXXX. 
- I make XXXX 's transfer ( P & I ) on XXXX. Next payment due on the consumer portal advances to due XXXX. On the same day, XXXX, I make a second transfer ( P & I ) to the loan for the payment due on XXXX, which on the consumer portal advances the next due date to XXXX, as it should. However, the banks internal system interprets this as a principal only payment and triggers calls to me for non-payment for the XXXX payment. The consumer portal still shows the payment is due XXXX. 

See attachment for actual case.
Attention : XXXX XXXX SVP Consumer Services Experian XXXX XXXX XXXX XXXX XXXX, Texas XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX cC : XXXX XXXX Sr. Attorney GROUP General Counsel, XXXX XXXX XXXX XXXX , XXXX IL XXXX Cc : Cc : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX I have filed three disputes and on XX/XX/2019 Experian deleted it. I also contacted the the bankruptcy court listed as the furnisher of this infomation and the account and the clerk responded that it did not provide this information to Experian ( Letter attached ). 
Experian have listed an inaccurate Chapter XXXX- Bankruptcy record on my file. On XX/XX/2019 I received notification via email and mail that this reporting was removed, REPORT # XXXX. Then on XX/XX/2019 - Report # XXXX & Reference # XXXX. I received notification that it was placed back on, and the Bankruptcy Chapter XXXX reporting item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from my file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other  means available to the agency. 
Also, under the Fair Credit Reporting Act, the original furnisher under FCRA 623 ( a ) ( 8 ), must provide variable proof of evidence, provided to Experian, conducted by a thorough investigation. If you have no proof, but state that the results of the investigation show the negative information is accurate, then I will have Experian on an actionable, sue-able offense.

FCRA 611 ( a ) ( 6 ) and ( 7 ) requires Experian to provide me with a description of the procedure used in providing and obtaining this particular bankruptcy recorded, including if it was obtained from a third part information broker and sold to your firm.  I legally have the right to see that the information that you are providing is metro-2 complaint and requires personal identifies. I have been advised by my consumer attorney, that EXPERIAN IS REQUIRED by the National Consumer Assistance Plan provisions to ensure that each public record does not create a mixed file circumstance, which I believe has happened in my case.

FCRA Section 611 ( a ) ( 2 ) also requires Experian to contact the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy showing on my credit report that you maintain under my social security number. As well as Section 611 ( a ) ( 1 ) ( A ),  requiring Experian, by federal law to verify- through physical verification of the furnishers information you have listed on any filings on my credit report associated with every account.
I recently refinanced my mortgage with Quicken " rocket ''. Quicken repeatedly tried to charge me points for rate locks where ( 1 ) the cost was not disclosed prior to the charge being assessed ; and ( 2 ) no options were presented with regard to the length of the lock or the cost of various alternatives. I refused to pay and Quicken removed the charges but showed no remorse and apparently think there was nothing wrong with their behavior. I believe this practice is costing consumers many millions of dollars per year in needless charges that they are not astute enough to recognize or complain about. I would hope the CFPB would require fuller disclosure of rate lock costs and options. ( I am a XXXX, and had no idea this type of behavior was permissible ).
Dear XXXX XXXX XXXX Experian, I am sending this dispute for the second time but this time threw cfpb to make sure you received it. 
I have no knowledge or records of this XXXX XXXX XXXX reported service of XXXX 2017. 
Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. 
If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

If you can not obtain The information that you received from the original creditor at the time it was allowed to be reported on my credit report within ( 7 days ) of receiving this complaint please delete this account from my credit report. The ( 30 ) day time frame has already been given with no response from XXXX and credit reporting agencies stating verified with no proper proof of debt. Please do n't send me anything with names and addresses as verification will not be proper verification, I need validation of services, dates, times, signatures, identifications, or something to help me understand why this is being reported as my debt I have no knowledge of cause I never received a bill from any company with a bill statement from a service that was provided. 

This is reporting to all three of the credit reporting agencies. Please mail me an updated report when this dispute is completed. 

Very truly yours, XXXX XXXX
My Suv was stolen in XX/XX/XXXX. the auto insurance company paid the amount due for the XXXX SUV in XX/XX/XXXX, which left a {$4000.00} balance ( I don't know why ) but I contacted the loan company Consumer Portfolio service and they explained that I did not have gap insurance. I told them that they never offered me gap insurance and they said that the auto insurance company should have offered it. ( I called the auto insurance company and the said that Consumer Portfolio Services ( CPS ) should have offered it ). So I am stuck with this {$4000.00} balance. I call CPS in XXXX and they agreed to let me pay {$100.00} a month and I could pay more when I could. I started to see my credit score that was almost 700 decline. I could not figure it out I looked at my credit report in XXXX and CPS had been reporting me late but I wasn't the amount was scheduled to be deducted from my account every month and I paid ( I have proof ). Every month I was reported late my credit score plumbed to 500 credit score I could not believe it. I talked to several departments, finally, the finance department told me to " forget the payment plan you should still be paying the car note which was XXXX. '' I was sick this company asks in bad faith.. I finally paid off the balance and they are still reporting me late on my credit. Please help me with this company I follow the payment plan. I want those negative marks reported from XXXX until now. I work really hard on my credit and CPS told me to go get a new car they would finance it. I would never after they destroyed my credit.
I have worked for a 501 ( c ) ( 3 ) XXXX as an XXXX since XX/XX/XXXX. However, Fed Loan Servicing ( FLS ) told me my student loan payments before XX/XX/XXXX do n't count for PSLF, because they were n't consolidated correctly. ( I first contacted Fed Loan and transferred my loans in XX/XX/XXXX. They were reconsolidated to REPAYE ). But I am certain I was in an IBR or ICR repayment plan prior to starting an account with Fed
Loan. However, FLS 's website says : " Payments you make under a 10-year Standard Repayment Plan or under any other Direct Loan Program repaymen
t plan with payments that are at least equal to what you would have been required to pay under the 10-year Standard Repayment plan also count toward PSLF. However, you must switch to an Income-Driven Repayment ( IDR ) plan, such as PAYE, REPAYE, IBR, or ICR, to benefit from PSLF. Otherwise, you would have no remaining loan balance to be forgiven after making 120 payments. '' FLS is refusing to apply federal student loan payments I made between XX/XX/XXXX and XX/XX/XXXX, even though I worked full time for a qualifying employer and my loans were in an IBR or ICR plan.
American Express Travel Related Services Company , Inc. issues the Amex Bluebird card in partnership with XXXX. I have been using this card for direct deposit and as my primary spending instrument for a number of years now. On XX/XX/2018, I returned a broken retail item to XXXX  and was issued a refund with no troubles from the store. The object was obviously defective and my money was credited back to my card. The amount in question was {$140.00}.

This amount has, as of XX/XX/2018, still not been made available to me in my account. Due to this, I have had absolutely no money to my name for a week now. I am desperate to have this resolved. I know the amount of money involved is not a large sum, but I was relying heavily on it to feed my family, as I am a poor man. Because of this glitch, or whatever it is, my XXXX  XXXX-year-old XXXX XXXX   and my XXXXyear-old have not eaten since Tuesday, when they ate saltine crackers and catsup. My wife and I have not eaten since Sunday. With tomorrow 's meager paycheck, I will have to buy food and I will not be able to even purchase the cheap XXXX XXXX toys I was going to leave under the XXXX Tree this coming Monday evening.

This money does not belong to American Express. It belongs to me. I have no one to whom I can go for a small loan or any help. The soup kitchen in my area is a violent den of drug users and drug dealers. I do not qualify for benefits because I do have a job. And normally I can afford to just barely squeak by, but every penny counts in my home and American Express 's arbitrary hold policy is literally starving my family.
Equifax refuses to remove the unauthorized inquiries off my report. There are 46 inquires on my report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX
I opened Checkings/Savings Accounts with, XXXX XXXX/Synchrony Financial and began to use these accounts over the, XXXX holiday while I was out of town. 

The company placed an ATM hold on my account, claiming they just wanted to verify that I was the person making the transactions. 

I called and verified and answered all their questions and was told everything was good and the holds would be released and I would have full use of all accounts and they still have not restored my accounts and are denying me access to my funds without any reason or explanation. 

I have spoken to this company an additional 6-7 times, up to and including the office of the President, XXXX XXXX, XXXX XXXX, XXXX XXXX and multiple Supervisors and Managers and am getting the run around! 

There is no grounds for this company denying me access to my accounts and this needs to be resolved immediately. 

I would appreciate your assistance to resolve the matter voluntarily, obviously the next steps would involve a higher escalation, up to and including legal action and the media. 

Please advise.
On XXXX XXXX 2015 I have received XXXX calls from Kay Jewelers. Upon speaking with them, I was informed of a balance that does n't match my records.
Talked to trans union because a late payment was reported on a 3 plus charged off acct. which crashed my score by 46 plus points they are saying they dont see this but can you explain the sudden point drop! All of my credit monitor sites show this late payment!
I received a loan from XXXX in XXXX, XXXX with a fixed rate in XXXX, GA and they sold the loan to XXXX in XXXX. I had been paying my payments until XXXX sent me a statement stating that my mortgage was going to be higher. I asked XXXX to validate my loan since XXXX and they could not provide me the information for the correct numbers from my loan from XXXX to XXXX. XXXX put my house in foreclosure XXXX times and I had to file bankruptcy to stop the sale and get more time to get XXXX to send me the correct documents. XXXX sold the loan to Caliber Homes and they too now have my house in foreclosure for XXXX XXXX, XXXX. 
I have been requesting for years from XXXX, XXXX for Caliber Homes to send me the correct numbers to validate the loan from XXXX and again I am going through the same thing. They sent me documents that date back to XXXX, Caliber Homes has no records of XXXX - XXXX and the numbers are very wrong. 
I filed bankruptcy XXXX XXXX, XXXX and Caliber Homes is not approving my Stay of Execution so we can continue the investigation. I have reached out to RESPA as well. 
I need to stop the XXXX XXXX, XXXX foreclosure sale date and have the mortgage company subpoenaed to get all of my records and make sure that they can validate my loan with the right numbers. 

XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXXXXXX
This company is sending me notices on a debt I do not owe. I requested validation and received which clearly states I do not owe. Please see attached. I would like them to cease all collections and remove this remark
I had fraud committed against me and reported it to XXXX, XXXX  and Citi card in XX/XX/XXXX after I had found out about it. I reported it to the local police department and they are going to arrest the person that did it as we know who it was. I have called these companies several times since XX/XX/XXXX explaining what has happened and yet the still do not correct my credit reports. I filed disputes with XXXX  and the results are stating that the credit card companies say they reported correctly to the bureaus. I have a police report and have given them everything they have asked for to no avail. please help me get this corrected as I have already spent hundreds of hours on this whole fraud case to clear my good name.
I bought a building in XXXX of XX/XX/2018 and the people that were hired to help with the purchase completely took advantage of me being a first time buyer. These people ( Agent, Bank, POA representative, and the Appraiser ) are all involved. I believe that my loan is preparatory because of the following : 1 ) .Property sold for too much.

2 ) .Previous owner told me things were fixed but weren't.

3 ) .In the Last six months not one property has been sold for the amount that i paid for my property.

4 ) .I was sold this building without any regards for my financial obligations.

I would like help getting my money back and getting completely out of the deal so this property doesn't put me in a financial hardship that i am on my way to being!
GE Capital Bank saving account. A number of false statements have been made by the bank officials in relation to the account, affecting my financial transactions. After I contacted the bank officials, threats have been made as well. Please fully investigate.
In late-May I contacted  XXXX ,  XXXX  and TransUnion with the following request. " Please remove the following derogatory report from my credit report :   XXXX   XXXX   XXXX   Date Reported -  XX/XX/XXXX  Payment Status - 120 Days Late Account Status - Derogatory Account Number -   XXXX   Account Type - Conventional real estate mortgage Original Loan Amount - {$260000.00} Date Account Opened -  XX/XX/XXXX  Date Account Closed -  XX/XX/XXXX  This property was sold via the HAFA program on a short sale. The short sale was approved by  XXXX  in writing on  XX/XX/XXXX  and the transaction was completed on XX/XX/XXXX .
Since it has been over 3 years from the date of sale this should no longer be reported as derogatory. This was not a foreclosure, even though we were informed by   XXXX   on XX/XX/XXXX  that they insist on using the foreclosure code even for short sales. Unlike other homowners who lived for years without paying their mortgage, we only missed 10 payments between  XX/XX/XXXX  to  XX/XX/XXXX , prior to the short sale, after the market crashed in  XXXX . This derogatory reporting should no longer be reported as derogatory. '' I initially contacted   XXXX   XXXX   XXXX   who advised me that I needed to contact the credit reporting bureaus. It was interesting when I spoke with   XXXX   because they said that my account shows a foreclosure, not a short sale. I offered to provide evidence of the short sale, but they declined, stating that even a short sale is listed as a foreclosure.
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I was told by   XXXX   as well as licensed realtors that if I did a short sale it would be on my credit report as derogatory for three years. I feel I have either been lied to by both, or that   XXXX   XXXX   current practice is incorrect. I would really like to know rules or laws, if any, apply.
I filed bankruptcy and was discharge XX/XX/XXXX, but my home and auto loan was not part of the bankruptcy and I sold my vehicle to XXXX and it was paid in full but the finance company reports to my credit beauru that it was under backruptcy which is incorrect! I have contacted the company many times and still no support or customer service. The finance company is XXXX and the loan number is XXXX VIN : XXXX for XXXX XXXX XXXX. This vehicle was paid in full on XX/XX/XXXX AND WAS NOT UNDER BANKRUTPCY.
I am disputing XXXX conflicting payoff amounts a week apart for a mortgage that increased the amount by almost XXXX $
well i paid everything i owed in XXXX and then i left the line and i called the next day and they told me my balance was {$0.00} after 2 months they send me a letter and telling me u own {$620.00} and i wanted to know why.
XXXX XXXX were purchased from a XXXX area XXXX XXXX on XXXX/XXXX/XXXX using the 0 % interest offered by Citizens Bank dba Citizens One. These loans were paid off on XXXX/XXXX/XXXX. I have asked for and been promised written loan payoff documentation by several CSRs and their managers between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I have never received that payoff documentation but Citizens One again verbally confirmed payoff this morning, XXXX/XXXX/XXXX, of my XXXX XXXX loans on XXXX/XXXX/XXXX. This loan payoff documentation is now critical since Citizens One sent me an email on XXXX/XXXX/XXXX regarding " XXXX Loan Annual Privacy Notice for your Citizens One XXXX loan '', which indicates that some of their records still show l have open loan ( s ) for the XXXX. Since Citizens One never reported the XXXX XXXX loans to any credit bureau, I also have no credit report showing the loans in the correct status of CLOSED CURRENT. On XXXX/XXXX/XXXX I opened a Citizens Bank CEO Case, number XXXX, and was told I would be contacted within two business days. I informed Citizens Bank and Citizens One that if this issue was not resolved to my satisfaction by XXXX CT XXXX/XXXX/XXXX, I would initiate a CFPB complaint. I repeated that warning to both the morning of XXXX/XXXX/XXXX and again at XXXX CT. I was not contacted and no resolution has been attempted. My latest interaction with Citizens Bank was at XXXX CT XXXX/XXXX/XXXX with a CSR that first told me I had to contact their legal department, and then when legal would not accept the call transfer, told me the case was being handled by the CEOs office and would not let me speak with anyone working the case. This financial organization has had almost nine months to provide the requested and promised written loan payoff documentation. 
Due to lighting strikes in this area, I am submitting my complaint to CFPB an hour earlier than planned.
I have had to close multiple Synchrony Bank accounts for problems making payments. I had to close my Sams Club card and Old Navy bank. I make payments through my bank account and with the correct account number. The checks are cashed and then not credited to my account.
I filed bankruptcy in XXXX, it was dismissed. I purchased a vehicle XX/XX/XXXX, GM financial reported my account as included in bankruptcy ( which does n't apply to this vehicle XXXX years after a discharge ), continued taking payments up until I purchased a new vehicle XX/XX/XXXX, but states I stopped making payments XX/XX/XXXX. This incorrect information is being reported on my credit report. I have disputed this with all XXXX credit bureaus as well as GM financial who said the information is correct.