WillisBack/dataset-financial-user-claim huggingface dataset:
I intend this message finds you well. My son and I purchased a new XXXX in XX/XX/2018 from XXXX XXXX XXXX XXXX. The car was purchased as I am XXXX XXXX and need to get to doctors appointments etc. When we went into XXXX XXXX XXXX we went using the XXXX XXXX program to be sure we did not have to haggle for a car. When we went to financing the finance lady in which her name escapes me since I have a XXXX XXXX and have memory issues ( She is listed on my account at XXXX XXXX ). She was moving quickly and was fully aware we were going to get a cashiers check to purchase the car. Both of our credit was pulled on this day without our knowledge and again mine was pulled by XXXX XXXX in XX/XX/2018 in which I NEVER gave authorization for this to happen nor did they call me to discuss the erroneous incident. I found out while I was checking my credit as I was told by the lady finance manager who assisted us that she was going to fix the credit issues I brought to her attention in XX/XX/2018. She stopped following up and I finally went above her to XXXX XXXX in which I felt he assisted as much as he could. No one followed up once both my son and I signed letters for XXXX XXXX to send to the credit agencies. I requested them to be sent certified mail, registered mail and XXXX XXXX to insure it gets there. In the meantime I put an inquiry on all the credit agencies to dispute the credit inquiries from XXXX XXXX and XXXX XXXX and they were denied by XXXX XXXX and XXXX XXXX???? WHAT???? I also called and because I am NOT the owner of the inquiry I could NOT delete them even though there were erroneously done. I was told to wait 60 days and waited 90 called the bureaus and nothing has yet to be done. I followed up with XXXX XXXX and apparently I have a new rep XXXX that was going to take this over and call me. I never received a call back from him so I followed up 2 weeks later. This has just been a ridiculous process and it seems to be getting nowhere other than XXXX getting their money for a car and not caring about the negative outcome of running my credit report and these are hard inquires. What got me really fired up is I am in the process of purchasing a home and these hard inquiries are causing me problems per my lender and interest rates will be higher because my credit went down. I believe the finance manager was getting kick backs from whomever they use to run credit reports ( I found this out from a source I am not willing to bring into this situation ) which I think is appalling and to take advantage of someone whos is XXXX XXXX XXXX and I didnt even mention how she treated my son and profiled him because of his arm tattoos. My son has never been in trouble with the law no traffic tickets and provides fully for himself and helps me. I am appalled that such a large company lacks integrity and ethics and allow their staff to profile others who are trying to purchase a brand new car. I am thoroughly disgusted with how unprofessional XXXX XXXX and XXXX XXXX have been with us and that they are allowed to pull credit reports erroneously and get away with it!
Citi bank ran a promotion for their checking & savings account. Per the terms, " Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days '' My accounts were opened on XX/XX/2018 and funded with {$15000.00} on XX/XX/2018. I spoke to a Citi representative on XX/XX/2018 and below was XXXX 's response, " XXXX at XXXX, XX/XX/XXXX : Upon checking I see that you have deposited the {$15000.00} last XX/XX/2018 and part of the requirements is to keep it for 60 calendar days which will be completed on XX/XX/2018. The bonus will automatically be credited to your account 90 days from the completion date of XX/XX/2018 and that will be on XX/XX/2018. 
XXXX at XXXX, XX/XX/XXXX : The promotional code is XXXX. '' I reached back out to a representative on XX/XX/2018 to follow up on the bonus not posting and he informed me to wait two business days for my account to be credited. As of the end of today 's business day ( XX/XX/2018 ), I do not see a credit for {$400.00} in my account.
LoanDepot.com has placed hard inquiries on my credit every few days. I did NOT take out a loan from them, however they keep driving my credit into the ground with their inquiries. I did not request these inquiries. I have called and spoke to several people there and emailed them, and all of these people say they can not help me because I did not take out a loan. They will not stop these inquiries. They are predatory and I am a victim of their practices. 

Dates : LOANDEPOT COM LLC via XXXX Requested On : Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
I had a loan with KeyBank with a 10 year arm. 2 months prior to the full payment due, I attempted to refinance with KeyBank or extend the 10 years. They denied my refinance and denied my extension. I had 10 years of excellent service with them. All payments were on time, they never missed a payment from me. When submitting my extension request, I said I will do whatever it takes, including sell the property to help them and myself achieve our goals. They denied me because they said I wanted to sell. I told them I was just trying to show them that I will do whatever it takes to make them continue to work with me. Then I applied and was denied based on school loans. I am still XXXX and my loans are deferred. I payed off a XXXX mortgage with KeyBank with my retirement and they told me to apply again. I was denied again. Only this time I waited for a reply and got nothing, I emailed, heard nothing, then finally called and they said that now I was outside of my time for the loan and would have to reapply a 3rd time. My emails get deleted to KeyBank without being read through an automated system according to the person I talked to. Attempt # 3 was unsuccessful and I was denied. I then had to have my mother buy the house from me as a rental property herself. That took 3 months over the 10 years and now my credit is affected all because KeyBank would not work with a long standing customer. Now I just realized they are charging me {$18.00} monthly to have my checking account with them. What a horrible company!
There was fraudulent auto loan taken out in my name. It was taken out with Automotive Credit Corp on  XX/XX/2013, in the amount of {$11000.00}, and is reflecting a balance of {$7500.00}. It has been reporting on my credit report and I have no knowledge of this account. I would like this to please be taken off my credit report. I have contacted the company with dispute letters as well.
IN XX/XX/XXXX I moved to a new town and pulled my credit and found that a XXXX XXXX court house placed a debt for XX/XX/XXXX on my report. I called them and the state office XXXX and paid the debt and received receipts and letters and paid additional fees to cover court cost to remove the lien on XX/XX/XXXX it was entered paid and released. However for the last nine years I have disputed this off and on with the credit bureaus and they continue to report it as unpaid. The item was paid in XX/XX/XXXX and both the XXXX attorney Generals office XXXX and XXXX XXXX Court Records division claim they removed it from reporting in XX/XX/XXXX when my spouse spoke to them this week they this is the credit bureaus error. I attempted to dispute online and it automatically states that all I can do is submit a statement due to a fair credit report act regarding disputing an item 2 times. However, the item continue to be incorrect as the fee was paid as evidence by the copy of my receipt and letter from the court below. In addition, I understand that paid tax liens must be removed after seven years from a record. This has been reporting now for 9 years. XX/XX/XXXX filed with court paid and this is XX/XX/XXXX XXXX 9 years ) I feel my federal rights are being violated and it significantly is lowering my credit score. I am asking this be removed immediately and not placed on again. This is a 9 year old paid tax lien and needs to be removed.
Few years ago, I made a plan with them to get out of default status by setting auto payments. It was fine for almost a year then they decided to stop receiving my payments. I tried to contact them, only to discover that they transferred my case to a different company and claimed that I did n't make any payments after eight months. Which messed up the plan to get myself out of default status. They refused to work it out with me so I gave up and moved on. I applied for XXXX loan forgiveness instead.
I believe in XX/XX/2016 a friend convinced me to sign up for a student loan forgiveness company called XXXX XXXX which is connected to the company Equitable Acceptance. They stated that after paying {$49.00} a month for a certain period of time, that my student loans would be wiped. I have almost paid {$2000.00} to this company over the past two years. Only recently ( about a month or two ago ) I  asked that company ( XXXX XXXX ) when my time is done with them and what happens next. They advised me to ask the Federal Student Aid or Department of Education because it was up to them what happens next. After explaining my situation, the representative believed that this company was fraudulent and advised me to stop paying their monthly bill immediately, call my bank ( XXXX XXXX  ) to not allow them to automatically take that money out each month, call the credit company to make them aware of the situation, and contact another higher authority to give in a complaint ( which I cant recall the name to continue with asking them questions about this situation ). I tried calling the company Equitable Acceptance to discontinue services in which they wouldnt allow me to. My bank put a stop on them pulling out the payments where they also did some type of investigation and deposited {$190.00} into my account out of the close to {$2000.00} Ive paid over the two and a half years. A fraud alert went out on XXXX XXXX to hopefully protect my credit from them. The higher power company that I cant recall told me to keep them updated if the company reached out to me for any reason. Since then I have received multiple emails saying I need to make their payments, threatening voicemails with recorded messages from questionable numbers, and emails saying my account is severely delinquent. I tried to sign into my account on Equitable Acceptance to get the exact details of when I started with them and calculate how much money exactly was given to them to give those things to you but its not even allowing me to sign in. I am not sure what the next steps are to resolve this situation, how to completely disconnect from these fraudulent companies, how to hopefully get some of that money back that I paid for the past two years, and how to move forward from all of this. I would appreciate any help possible.
I got {$2500.00} loan from XXXX XXXX XXXX in XXXX XXXX Ca, about 1995. But before the semester was over, I got injured at work so I could not attend any of my clauses any more that I notified them right then. few years later a man name XXXX XXXX from collection agency was calling about my student loan which was several times a day harassing me, saying " he will put me in jail if I don't pay up ''. I did not have any income but I agreed to settle with less and pay up in two payments. I sent them a cashier check for {$1100.00} and I supposed to pay another {$1000.00} in a 2 moth to settle the full amount. But right after a week I was getting bills and calls from them for the amount of over {$4000.00} that I am still paying it that every so often it goes back to the {$4000.00} again. is there any way we can wipe off?
I refinanced my mortgage with  Home Point Financial  in  XXXX  of  XXXX . I was abundantly clear that there would be no escrow of insurance and taxes. In  XXXX  of  XXXX  I received a letter from the company stating that they needed proof of flood insurance. I have maintained flood insurance since the original purchase of my home in  XXXX . I promptly provided them with proof of flood insurance and had  Home Point nam ed on the declaratory page.   In  XXXX  of this year I began receiving anonymous letters from "  Insurance  Departmen t '' of Home Point Financial  stating that they would begin escrowing for my flood insurance. I immediately contacted customer service ( if you could call it service? ) to point out the error as I maintain my own insurance and am happy to provide proof of coverage. I was told that I would be grandfathered in and would be exempt from escrow. Several weeks later I received another letter stating that I would be subject to escrow and flood insurance would be force placed on my mortgage. Again I contacted their alleged customer service department and was assured that the mistake would be corrected.     Yesterday, I received a statement from  Home Point Financial  informing me that my payment had been increased by {$43.00} per month for escrow for flood insurance. I called the company and asked who the policy would be with and how much flood insurance coverage I would be supplied with. No one could answer my question as the " insurance department '' does not have a telephone.     I asked to speak to the president and was told that he does not have a telephone.
XXXX XXXXXXXX XXXX RAN ALL MY CREDIT REPORTS XXXX IN ERROR I AUTHORIZED ONLY XXXX AND SOLFT ONLY
I sold my home and the mortgage was with XXXX XXXX XXXX. The account is listed on my credit report as being late, when the home was sold and XXXX was paid in full. I tried to work with XXXX to get the matter resolved but had no luck. Can you please help.
I never had a loan with XXXX XXXX I do n't no who this account belong to. I have ask XXXX XXXX to validate this account many times and I also informed Equifax that XXXX XXXX has fail to validate under FDCPA Section 809. Validation of debts [ 15 USC 1692g ]
I have collection items that I am disputing but I also see that these disputed agencies just from one credit bureau to another. 

Can they jump from one to another like that?
In an effort to confirm who owns the mortgage and has lien on my home I sent correspondence to Select Portfolio Servicing ( SPS ). On XX/XX/XXXX I sent a letter to requesting the following items : Provide the identity of the mortgage loan note on my home. 
Provide the owner of my mortgage for the property located at XXXX., XXXX, New Mexico XXXX. 
I received a letter dated XX/XX/XXXX from SPS stating that they had received a letter from my authorized agent. 
I received a letter dated XX/XX/XXXX from SPS stating that they have received my inquiry letter and to give them 30 days. 
I received a letter dated XX/XX/XXXX that they had completed their investigation into my inquiry and since they had not serviced my account in over a year they would not provide a response. 
In XX/XX/XXXX I ran into financial troubles and requested a foreclosure letter from SPS so I could withdraw money from my XXXX ( k ) to pay them. SPS informed that since the loan was a XXXX mortgage they could not foreclose on my property so they could no provide a letter. in XX/XX/XXXX SPS placed my account in a XXXX status. I have not paid SPS or any other entity for this mortgage since. 
SPS is not providing me with my requested information and are not being cooperative in my effort to clear the title on home.
I received my {$5000.00} check from the State of CA. I deposited it on my account last XX/XX/2018 and there was a hold. I called the customer service about the hold and I was told it is federal regulations and I am ok with that. However on Saturday, XX/XX/2018 after I checked online, all the funds were released. However, last XX/XX/2018 my account was blocked and was told that there is fraud in my account due to the check that the State of California Return to Work Supplement Program sent to me. 
Upon knowing that my check was cleared, I started paying bills and credit cards. However, they were all returned due to the blocked that Citibank put on my account.
I am protected by chapter XXXX bankruptcy from having creditors report me as late or showing a balance that is inaccurate. on my experian credit report XXXX accounts, XXXX are shown as reporting late payments and balance due. The accounts in question both note that I am a chapter XXXX wage earner. these accounts are reported correctly on my XXXX report but are not accurate on experian or XXXX. Per my bankruptcy confirmed in XXXX 2013 both of these accounts are included and should be reporting no late payments and XXXX balance. I have made all my bankruptcy payments on time to my trustee and i believe that this is a violation of the fair credit reporting act. This is causing an issue. i am trying to get an fha streamline loan and this inaccurate information is preventing me from moving on with my credit recovery.
On XXXX XXXX XXXX, I spoke with XXXX XXXX with Deutsche Bank regarding XXXX XXXX. He stated to me, to send an email to him at XXXXXXXXXXXX regarding my issue. On XXXX XXXX XXXX at XXXX, I sent an email to XXXX. As of today, XXXX or Deutsche Bank has failed to respond to my inquiry! Please review the email that is enclosed that was sent to Deutsche Bank. Now ; I filed a complaint against XXXX XXXX with the CFPB, case # XXXX. XXXX uploaded a Deutsche Bank loan schedule onto this complaint. This loan schedule reflects that Deutsche Bank loaned XXXX XXXX millions of dollars on XXXX XXXX XXXX. Please review the enclosed document! On XXXX of the pages shows our residence located at XXXX XXXX XXXX XXXX XXXX Nevada XXXX, loan # XXXX for {$460000.00}. NOTE : XXXX XXXX failed to provide assignments and a certificate from the trustee going all the way back to our original lender, XXXX XXXX Mortgage. An assignment ( s ) are used when an investor or bank sells or transfers the asset. A certificate is also issued when an asset is placed into a pool of trusts by the trustee ( XXXX Bank as trustee for XXXX XXXX XXXX XXXX ) to reflect who the current investor is. The trustee will know who to send funds too for this asset being in the pool of trust! As of today, XXXX XXXX failed to provide the documentation that we requested. Now ; since XXXX XXXX provided a loan schedule from Deutsche Bank, we must confirm with Deutsche Bank weather or not XXXX XXXX had this loan for our property! Anyone with computer skills can create a letter head from a previous loan, then remove information and then add the information that you want in order to reflect that XXXX XXXX had a loan for our property. This loan Schedule does not by any means reflect that XXXX XXXX is the current investor. XXXX XXXX could have sold or transferred our note as the evidence that I have in my possession will reflect! XXXX XXXX possibly, failed to create legal documents to show legal ownership of the asset! We request to know if XXXX XXXX had a loan for our property in the amount of {$460000.00} dated XXXX XXXX XXXX, loan # XXXX. We request this information in writing!
Greentree mortgage has accepted my request to not call my cell phone due to them calling as many as XXXX times a day. As I got behind on my mortgage they ignored my past request to not call and the calls began. I called them when I had an answer and solution to catch up on my mortgage and told them I was waiting for a loan to fund in regard to selling my vehicle. The loan has not funded yet due to a minor delay and I feel as though I ca n't use my phone due to the numerous phone numbers they have access to for reaching their customers. Yesterday alone there were XXXX calls and I feel I am being harrassed.
My wife filed bankruptcy in 2012. The lawyer advised us that this would not effect me because I didn't file. The mortgage with Wells Fargo was in both our names. Because she filed bankruptcy they stopped reporting my payments and balance for the mortgage on my credit reports. I call every year asking them to start reporting on my reports. They want me to reaffirm the loan, but I was never released from the debt. I still continue to make my monthly payments. In XXXX someone from the company added to my report as a one time courtesy. It's unfair that I am responsible for this loan and can not get credit for it on my reports.
It 's about my dispute with Citi Cards, billing dispute department, XXXX XXXX XXXX, SD XXXX . 
I signed the contract to purchase the XXXX service from XXXX XXXX to XXXX XXXX on my last day in XXXX, outside the US with the XXXX XXXX XXXX Card on XXXX, XXXX. 
But they put the contract from XXXX XXXX to XXXX XXXX. After I came home I called their customer service to kindly change the date to my desired one, starting and ending in XXXX, XXXX times in XXXX but I received no response. 
Last time I had a chance to talk with their manager and he complied to do so, but still now I see no changes. 
I am not happy with their services. 
After that, the Citi card took over my XXXX XXXX card. 
I disputed this transaction but they have reversed it on XXXX, XXXX. 
Again, I made a dispute case XXXX with Citi Card on XXXX. 
Their company has sent me a lot of letters requesting my next payment, even though I have talked to their manager to fix their faults. 
I called and talked to their manager again to ask them to stop sending me the bills as I have never used their bad service. 
I try to dispute the reverse again but I could nt do t online by myself. 
As they are out of US and I feel unsafe since they know my credit card number. That is why I asked for a replacement of my Citi card on XXXX XXXX. 
On XXXX, I called in Citi 's customer service to make the payment, cancel the card and ask for helping to dispute this amount again. 
I sent a couple emails ( In XXXX, on XXXX XXXX and XXXX XXXX ) and called to Citi card to ask about my case and they asked me to wait. 
On XXXX XXXX Citi card cancel my credit card without any notice and explain reasons. 
On XXXX XXXX, Citi Card sent me a letter to say that the merchant refuse to issue the amount I have previously paid as I signed the contract. 
And Citi will bill me for the next 2 billing periods even though they cancel my account a month ago. 
1. Please kindly help me as I 'm so distressed with the terrible customer service of XXXX XXXX. I just signed the contract but I never used their service and I swear that I will never use their service. 
2. I think that Citi billing dispute department have to protect me as I am their customer, yet I am still immensely troubled. They have done very little research on this case because the files they have sent me are incorrect.
I am requesting that complaint XXXX be reopened. 

Firstmark lied in their response. They refunded the payment retroactive to XXXX then removed it in XXXX from my account and have consistently lied about when to expect my refund. I am attaching the emails I received from them as well as a screen shot of my account. 

I spoke with them today and they said I will receive a check sometime in XXXX. They refused to issue it with a tracking number. 

As they lied in their response to the CFPB I am requesting an investigation into fraud.