WillisBack/dataset-financial-user-claim huggingface dataset:
In early XXXX, I was contacted by a company called Premier Student Loan Center. They talked me into a consolidation service that would shrink the amount I owe by almost 75 %. They told me that " XXXX was being sued by the Federal Government due to the fact, they were applying installment payments to their interest amount owed rather than their principle balance. I was weary of this so I decided to look them up on XXXX and found they are " Acredited by the better business bureau '' and a bunch of fake reviews. I was told that if I paid {$1000.00} over 4 months followed by XXXX $ a month for 20 years, they would pay the rest of my {$12000.00} loan. If you do the math, that means I save {$9100.00}. It was a red flag in my head instantly, thinking how could this be possible and is why I decided to XXXX them but was once again misled by false information. I realized that I was dealing with a fake company when XXXX messaged me giving me information that they had consolidated my student loans. I've tried to contact Premier Student Loan Center multiple times and they will not contact me back. I've paid them a total of 3 out of 4 payments ( {$740.00} ) and then cancelled the card I had given them before they could process the 4th payment. I hope others can read this to avoid getting talked into a scam like this.
I signed up for a Citibank Citigold account in XXXX XXXX partly because they had a promotion offering XXXX ThankYou Points if you met certain requirements such as paying a bill online. I met the requirements in XXXX XXXX and Citibank confirmed in writing ( via their secure E-Communications messaging system on their website ) that I met the requirements and I was eligible for the bonus. In fact, this was confirmed twice after I asked them where the points were because they did not post as they stated. I have attached those messages which also has the promotional ID that I am eligible for. 

I have been paying monthly service fees on this account partly because the points earned made paying the fees worth it. I think it is deceitful and misleading to promise points, confirm them in writing to me and then refuse to pay it. If I had not known I was not eligible as Citibank claims, I would have taken my checking account elsewhere and would have not been paying service fees.
First I would like to say I am getting tired of my bank responding to my complaints which I rightfully have many, with false, innacurate, misleading and many violating so many of my rights here in my loss mitigation process of my foreclosue conveying these messages that are for EXACTLY the same reasons as they were cited for in their XXXX ( XXXX ) dollar civil action fine and law suit for borrowers in the same position in XXXX to XXXX and I was one them as well. I blame my bank as a result of not foreclosing in XXXX or XXXX when there was no chance to salvage this condo but because I got a discharge in a. Chapter XXXX Bankruptcy case they stalled almost 4 years until I won my XXXX case to offer me a predatory lending loan modification when I owed nothing from a personal perspective and I lost out on a nice affordable housing situation as a result. 

Ok on XX/XX/XXXX I got a response of my two CFPB Complaints from my bank XXXX XXXX Office of the President with a top letter and copies of things to try and help their defense. It has only made it worse as the papers all contained errors and innacurate info and more Violations and more. There are so many I will choose one for now. In that package they sent me copies of documents I never got and even if I did had errors. A letter with no date but if it was sent it had to be around XX/XX/XXXX. On the front it says XXXX XXXX XXXX Evaluation Summary. In the second paragraph it says " I am not eligible for the program listed on the evaluation summary. On the 4th and last page this evaluation summary has 5 programs they claimed I was screened for and the last one says pre approval of deed in Liue. How am I approved when your first page says I am not eligible for any programs? They include a copy of a letter dated XXXX saying I was pre approved for a DiL and what I had to do. I never got this either. I did get several complete denials of this DIL.The details of this offer were totally different than the offer I got by phone and email on XXXX That on the first page of the XX/XX/XXXX response they say this offer is the one assigned to XXXX XXXX on XXXX XXXX XXXX ALL IMPOSSIBLE AND LIES. I am stunned at what is happening and the Attorney General of our State who participated in the case of XXXX to XXXX I am in the process of contacting. 

Attached is the papers scanned so they can't change anything.
Lyon Financial has approved me for a pool loan. However they refuse to follow AZ statute : AZ Rev Stat XXXX. The statute states that the pool contract must have payment provisions outlined in the pool that follow a specific payment schedule. Lyon Financial refuses to follow the payment schedule as required by AZ statute. Lyon Financial states that they do not have to follow the statute because the do no " specialize '' in pool loans. They also state that because the loan is a Unsecured Loan that the state of AZ does not regulate the loan. Lyon Financial is stating that they will not release funds to the pool contractor until pool build is complete. 


XXXX. Swimming pool ; spa ; construction contractsA. In addition to the requirements of section XXXX, a licensed contractor who enters into a contract for the construction or installation of a residential in-ground swimming pool or spa with a purchaser who resides in the residence or who intends to reside in the residence after the completion of the contract shall include at least the following provisions:1. A provision providing the purchaser the opportunity to request standard contractor 's payment and performance bonds in a form approved by the registrar, securing the completion of the work and payment for services and materials. The cost of the payment and performance bond shall be paid by the purchaser of the swimming pool or spa and the contractor shall not charge a surcharge or a service charge. 

2. The following payment provisions : XXXX a ) A down payment payable on the execution of the contract of not more than XXXX XXXX dollars. 

XXXX b ) After the completion of the excavation work on the swimming pool or spa, a payment of not more than thirty per cent of the amount of the original contract price plus any written change orders approved by the purchaser. 

XXXX c ) After the installation of steel, plumbing and pneumatically applied concrete materials or the installation of a prefabricated swimming pool or spa, a payment of not more than thirty per cent of the amount of the original contract price plus any written change orders approved by the purchaser. 

( d ) After the installation of decking materials, a payment of not more than thirty per cent of the amount of the original contract price plus any written change orders approved by the purchaser. 

XXXX e XXXX Before the application of the finishing interior materials or completion of all work on a prefabricated pool or spa, payment of all remaining sums due on the original contract plus any written change orders approved by the purchaser.
XXXX was paid and agreed to delete their information. It was removed for the XXXX other bureaus. By law, if an account is deleted from on bureau it has to be deleted from the other XXXX.
Dear CFPB, I would like to file a complaint regarding some unlawful practices Ive experienced with Equifax. I recently reviewed my credit report, and I noticed some inaccurate information. I made Equifax aware of the inaccurate information on XX/XX/XXXX ( FORM A ). This was sent certified mail in which they received on XX/XX/XXXX ( FORMS B and C ). In my letter, I asked for validation of the unverified accounts as well as everything they had in my files as of that date. In response, Equifax sent me a letter ( FORM D ) only addressing one of two debts as valid. They did not address the other account I had disputed, and also did not comply with my request of providing me with everything they had in their file as of that date to support their claim of validation. 
As a response, I followed up with another letter on XX/XX/XXXX ( FORM E ). Equifax received this letter on XX/XX/XXXX ( FORM F and G ). In this letter, I informed them of more inaccurate and unverified accounts reflecting on my credit report. I also mentioned the accounts that I had originally disputed, and that they had not been properly/lawfully verified as accurate, so should be deleted. In response, Equifax sent another letter addressing all of the debts ( FORM H ). I found that one of the accounts I disputed had been deleted, but other accounts were showing results of validation. Equifax still never sent me proof of such validation or any of the physical documents in my file that I had requested. 
Equifax is violating my rights as a consumer and has not met the time regulations for properly validating accounts. Since they have not provided me with the physical proof of what they used to verified these accounts, they must all be deleted. 

Thank you for all of your help, XXXX
I have had the Citi XXXX XXXX XXXX Card for a few years. I have usually received the XXXX XXXX Certificate a few weeks after my account anniversary for spending {$10000.00} or more on this account. My anniversary was XXXX 2015. I still have n't received the certificate, despite the fact that I made the minimum spend this year ( the website confirms this ). When I called the customer service, I was given a big run-around. When I messaged them via secure message, I was also given a very vague response with a response to the effect that I just might hear something from them in 7-10 days. I find this to be breach of contract, more specifically, non-delivery of what we agreed to receive when I signed up for this credit card.
To whom it may concern : I am writing to to see if you can help me resolve an issue I am having with the credit reporting bureau XXXX, XXXX, Experian i recently requested a copy of my credit reports from each of the credit bureau. Upon receiving my copies I realize some inquiries on my report that i did n't do. I wrote several letters called several time and still the inquires has remained on my credit reports. The Inquires are 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 recently send out certified mails to each of these company and I have not heard back from them regarding these inquires. I am asking if you can step in on my behalf this is my last stop to see if I can have these information remove. The only thing they have done is erase the names, addresses, phone numbers, and the person had change around my social security number so they fixed it once i mailed over a copy of my ID, bill with my real address, & S.S.C. to them. They still refuse to remove the inquires that was on my report that i never applied for credit with these company. All the 3 credit bureau did is placed a FRAUD ALERT on credit report for 90 days. I am not understanding why they can erase all the fake names and addresses that the person was using to be me why the inquires ca n't be removed. Please I am seeking help from you or point me in the right direction to get this issue resolve because of all these things it is making it hard for me to really know which way to go. I am patiently waiting on your response. Thank you in advance for your help I really appreciate it.
I spoke with XXXX of National Recovery service on the week of XX/XX/2016. National Recovery Service contacted the main office of my job instead of calling the extension that I placed on my application. I asked them to no longer contact me at any other number except for my personal cell phone number. On XX/XX/2016 XXXX from National Recovery Service contacted my husband at his job looking for me. I called XXXX back and reminded her that I requested that they not call me at any other number. XXXX told me it was in there system to not call any other number. XXXX told me " XXXX is your husband so I can call him ''. They are continuing to contact me even though I have instructed them to not call me.
XX/XX/2018, my payment was due for my student loan. I have been making regular payments for a year and some. I have however experienced a hardship and lost my job. We were strapped for money. I had to miss and delay some payments in order to meet our more important needs. Sallie Mae has continued to call me 5+ times a day, my husband as well, about the payment since the first day of the missed payment. XX/XX/2018, I called Sallie Mae to tell them to stop calling me 5+ times a day and informed them of my hardship. They didnt listen to my problem and said the calls will continue until you pay. I called for a manager and told them to stop the calls, but they still call my husband.
Trans union credit company XXXX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I 've sent letters out about removing theses items and got no response back at all
Nation star mortgage company became Mr. Cooper. I had a mortgage with nation star and nation star was reporting to the credit agencies when it became Mr. Cooper then Mr. Cooper was reporting to the agencies simultaneously with nation star. After checking my credit report I saw that it look like I had two mortgages one with Mr. Cooper and one with nation star with the exact same information. I called Mr. Cooper and they told me that it was illegal to report under two different names. My credit report shows the exact same information from nation star And Mr. Cooper. Mr. Cooper refused to do anything about it. I saw this on XXXX and XXXX.
On XXXX United Revenues was sent a request for validation of debt. On XXXX the debt collector sent correspondence that was not sufficient to my request. On XXXX another request was sent to the debt collector regarding the alleged debt. Although federal law requires a 30 day response, the debt collector has yet to validate this alleged debt with sufficient documentation and now they are in violation of the FCRA and should immediately removed this unverifiable information from my credit report.
This complain is about Portfolio Recovery Associates Collection Agency Reporting to all XXXX major Credit Reports Inaccurate information as of Date of First Delinquency. As reported to XXXX on XX/XX/XXXX this account is schedule to continue on record until XX/XX/XXXX as of XX/XX/XXXX it was not on XXXX no more making the Date of 1st Delinquency XXXX XXXX ( since accounts remain for 7 yrs on record as of 1st Date of Delinquency ) On XX/XX/XXXX Portofolio reports to XXXX 1st Date of Delinquency as XX/XX/XXXX. As of XX/XX/XXXX its reports to Equifax 1st Date of Delinquency XX/XX/XXXX. As of XX/XX/XXXX XXXX Deleted it after finding inaccuracies on Dates of 1st Delinquency reported. Portfolio still reporting to XXXX I am currently disputing it with XXXX.
I sent a letter to diversified consultants to dispute a debt that they claimed that I owe them. They sent me back a bill with my name on it from XXXX. This bill had my name on it but no proof of signature. I asked them to verify that the bill was mine and the company didn't respond. They were given their 30 day grace period to mark the collections account as disputed, which they failed to do. The company had also dropped off of my credit report and returned back on without any validation of verification.
I had asked for a payoff on my mortgage from Ocwen. I was startled to see that there was a {$52000.00} line amount that was titled Share Waive Adjustment. I called them and they stated I was in default of my loan modification that I had in XX/XX/XXXX. I defaulted in XX/XX/XXXX due to using the Save the Dream program. My husband was laid off and I was trying to save our house. I received a XXXX for the {$52000.00} in XX/XX/XXXX. I called Ocwen to ask about the {$52000.00} and why would I owe it now. It was explained that they could not add it to the mortgage. The Share Waive is for a loan called a Share Appreciation Modification where the loan servicer is entitled to XXXX % of the appreciated amount less any capital improvements for 3 years. I had read that I can reduce the Share Appreciation with Capital Improvements, so I had asked them if I could, they told me no. We just completely remodeled the kitchen. I had asked why I had received a XXXX for this. They could not answer me. Can you help me find out if I really owe this or if the amount can be reduced?
I have an FHA mortgage loan. I had a loan modification. I purchased the home in XX/XX/XXXX and I did speak with FHA and they said that I did qualify for the lender to remove the MIP. The requirements were : Can not be late within a 12 month period and the loan must be at 78 % and I am at 75 % and I have not been late. They are refusing to remove the MIP and want to leave it on until XX/XX/XXXX. I have written in with request and have been denied and do not feel it is fair. I am begging for them to stop this MIP.
Failure to address fraudulent charges and multiple false promises from customer support. On XXXX XXXX I became aware of multiple fraudulent charges on my debit card. I contacted Bank of America and, after spending over an hour on the phone was assured of that : all the charges would be removed by the next day ; the card had been shut down so no further charges were possible ; and I would receive a replacement card by XXXX XXXX. On XXXX XXXX I checked my account online and discovered that not only had none of the fraudulent charges been removed but several more had appeared. I called again, and after spending nearly XXXX hours on the phone ( including an escalation to the 'Customer Advocate Team ' ) the same promises were reiterated. On XXXX XXXX I discovered several more fraudulent charges ( XXXX of which were dated after the card was allegedly shut down. ) I called in yet again and, after an extended hold time, had to waste even more time arguing with a rep who claimed crediting back fraudulent charges takes 3 business days ( even though I had seen it done immediately the day before ) acknowledging that was false and processing the claim. Additionally, even though I had been repeatedly promised no further charges would post I was then told that was false and fraudulent charges which had previously been removed could repost at anytime. Additionally on XXXX XXXX I was promised that a replacement card would be sent out immediately for delivery no later than XXXX XXXX. When I did not receive it I had to waste still more time on the phone before being told it had not been sent for over 24 hours after I was told it would be and would n't be delivered until XXXX XXXX at the earliest.
I am one of the Equifax victims. I do n't know when my report was breached, but they report it was. So, now I 'm stuck with my identity being out there.
There are 3 late payments on my credit report from " delinquency ''. I was on an unemployment deferment until middle of XX/XX/XXXX. At that point I knew I would be starting my second XXXX in the upcoming XXXX but knew I just wanted to take one class which would n't make me eligible for deferment. Because of this I submitted requested to hold off payments, which would automatically go into deferment when I went to half time in spring semester. 

I contacted XXXX XXXX ( numbers, dates, and specifics are on attached letter ) and spent several hours going through the account with 2 reps and a supervisor. I was advised what to do to get this off my account, which was to show that I submitted a request, and then re-submit. I was ensured this would be handled and we 're almost a month later and nothing has been resolved. 

I work in finance and continually undergo intensive security screenings. I can not have these on my report. And frankly it 's in violation of the law.
The following inquires are UNAUTHORIZED, OR HAVE NO LEGITIMATE PURPOSE AND MUST BE REMOVED : 1 ) XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX , OH XXXX ( XXXX ) XXXX THERE IS NO WRITTEN AUTHORIZATION AND NO BUSINESS RELATIONSHIP. 
They requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2 ) XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX They requested on XX/XX/XXXX I HAVE NO BUSINESS RELATIONSHIP WITH XXXX XXXX XXXX. 

3 ) XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX NO VALID COLLECTION ACCOUNT EXISTS They requested on XX/XX/XXXX
Citi Diamond Preferred Card- Don't do it! 

On XXXX XXXX, XXXX  I called Citi to cancel my credit card account. At that time I made a sizable payment toward the remaining balance on the card, but did not pay in full. On XX/XX/XXXX, the company charged me {$22.00} in interest on the remaining balance ( which was fair ). OnXX/XX/XXXX I paid off the remainder of the card, in full, via online payment. I called Citi to confirm that the account is now settled in full and closed. 

So you can understand why I was very surprised to learn that on XX/XX/XXXX ( amount {$1.00} ) and XX/XX/XXXX ( a " minimum interest charge '' of {$.00} ) were charged to my inactive, paid in full, closed account. 

On XX/XX/XXXX I received a voicemail from Citi stating that was in arrears on my account. When I called Citi back to inquire about the call, I was told that " my account is paid in full and not delinquent, so they don't know why I was called ''. That didn't add up to me, so luckily I did a bit more digging, and upon opening my old account ( which again has been closed for months ) I saw  that the company was still charging me interest. When I called the company back, they defended the policy and told me it is standard operating procedure. 

This should be considered Fraud. It is no different than XXXX XXXX opening up thousands of fake credit card accounts and unknowingly charging interest to unsuspecting customers. 

On it's own, the {$2.00} Citi is saying I owe may not seem like much. But the fact of the matter is, if they are doing this to me, they are doing this to customers all over the world and making a killing on the backs of it's customers who believe they have closed an account in good faith. ( what is there to charge interest on?! The account is closed, unable to be used and paid in full! ). 

Buyer Beware.
I have been contacting XXXX XXXX for over a year to be ignored.They are reporting a fraudulent account opened on or around XX/XX/2016. I have been XXXX  in the XXXX Department of Corrections for the past 10 years and have never lived in XXXX, XXXX. I simply asked for an investigation as described in the United States Code Service Title 15, The Federal Fair Credit Reporting Act section 623 ( a ) ( E ) and all sections that the company have failed to provide and I indeed demand this fraud be removed out of my name NOW!!!! I recently have been released and will provide proof that I was indeed incarcerated. The documents will provide my entry date and release dates and I ask that this office make them verify the information I have provided and remove this fraud out my name. I dont have time to be ignored as my previous experiences! I dont have time for them to put me off because it isnt them, keep up office mess first, or just simply not caring any longer because I have had it with them ignoring me. I HAVE NOT AUTHORIZED ANY PERSON TO USE MY INFORMATION NOR DO I KNOW OF ANY PERSON WHO OBTAINED MY INFORMATION. IT WASNT ME AND I WANT IT OUT MY NAME NOW!!!!!!
This collection agency has reported to all three credit bureaus of debt I do not owe. I sent out a debt validation letter to validate this debt and I have not received anything from Waypoint Resource Group. I want this debt removed from all three credit bureaus until they send me a validation letter to validate I owe the alleged debt. If they can not validate this debt again remove from all three reporting credit as it is effecting my credit worthiness.