WillisBack/dataset-financial-user-claim huggingface dataset:
Citibank is charging " residual interest '' on a statement from XXXX days go when the entire balance was paid in full. I paid {$750.00} in XX/XX/XXXX to bring the account to a XXXX balance when the account statement was for {$720.00}. In XX/XX/XXXX they billed me {$24.00} in interest when I paid the previous statement in full. When contacted they said it was " residual interest '' from the XX/XX/XXXX statement when I paid {$500.00} and the bill was {$550.00}. I paid {$4.00} of interest on the remaining {$57.00} in XX/XX/XXXX. I attached XX/XX/XXXX 's bill to show that every month my bill was paid in full and the account was always brought to a XXXX balance. It is illegal to charge " residual interest '' after you show a new balance & continue to accrue interest on an account. The final balance is always to reflect all money owed on an account except for outstanding charges not finalized by a retailer since the bill was cut.
I 've received numerous calls from the company about a payday loan that they said I took out on XX/XX/2015 ; which is false. The first agent on XXXX/XXXX/15 said that they have video footage of me walking into a store and taking out a loan never paying on it. I took out a loan 2 years ago and it was paid on. He said that a sheriff will serve me if I did n't pay {$460.00}. I did not pay. On XXXX/XXXX/15, while working I kept receiving unknown calls and I answered and said nothing and I heard a lady say fine I will keep calling all day. She called several times in a course of XXXX minutes. I finally answered, and she said that a sheriff will serve me court papers today at my home and job for my coworkers to see. I told her that she was harassing me and asked for her information. She gave me XXXX XXXX, with a fake number, no address, and fake docket number. I later called back to get their address and they refused to give me their address. I have not received anything by mail informing me of this debt, just threatening phone calls.
XXXX / XXXX / XXXX  called  CMC  Funding/Loancare to see if they were going to pay my real estate taxes by the end of the year because they had my escrow funds on hand to do so. Disconnected from phone call. Emailed through their website to check on status. Received auto response message that they would follow up within 5 days. No response.      XXXX / XXXX / XXXX  I paid my real estate taxes myself because I had no response from the company.      XXXX / XXXX / XXXX  emailed the company to inquire about my escrow being released to me. Received auto response message and no follow up.      XXXX / XXXX / XXXX  emailed the company to inquire about my escrow being released to me. Received auto response message and no follow up.      XXXX / XXXX / XXXX  got through to customer service. I did not note the lady 's name but she advised that I email evidence that I paid my real estate taxes. I immediately emailed this evidence. Received no auto response and no follow up response.      XXXX / XXXX / XXXX  emailed the company to inquire about my escrow being released to me. Received auto response message and no follow up.      XXXX / XXXX / XXXX  called customer service and spoke to  XXXX  ID #  XXXX . He advised that he would expedite my request to the tax department. I asked him to copy me via email on this expedition. He said he could not do that. I asked who his supervisor was. He said  XXXX   XXXX . I asked to speak with her. He said I could not. I asked what the phone number was I could call  XXXX  back at to check on the status of my escrow. He would not provide a number. I asked to have  XXXX   XXXX  call me back. He said she would call me back  XXXX / XXXX / XXXX .      XXXX / XXXX / XXXX  No return phone call from  XXXX   XXXX . I called customer service and spoke to  XXXX  ID #  XXXX . I asked for status on my ticket number. After being on a lengthy hold he returned saying he would expedite my claim to the tax department. I told him that I was informed that was done on  XXXX / XXXX / XXXX  but clearly it had not. After another lengthy hold  XXXX  advised that they would need to " analyze the escrow ''. He said this analysis would be done by  XXXX   XXXX  and advised that I call back on  XXXX   XXXX .     This is where I ended my efforts and am filing this complaint. I have no confidence in the return of my escrow money and am unable to pay other bills because they have held onto it for 5 months.  CMC Funding  and  XXXX   XXXX  should be SHUT DOWN.
RE : CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against Pinnacle Credit Services. 

Pinnacle Credit Services has failed to respond to any of my dispute or debt validation letters. I have contacted them numerous times ; they are never able to provide me with any info concerning my account. I have also contacted XXXX XXXX, the Chief Operator at ( XXXX ) XXXX. XXXX XXXX never answers, also does n't respond to voicemails, most of the time his mailbox is full. My most recent debt validation attempt was on XXXX XXXX ( sent via third party agency XXXX ). As of today XXXX XXXX they have failed to respond. When contacting Pinnacle, I am always transferred to a third party agency ( XXXX XXXX XXXX XXXX XXXX ), and never acknowledged directly by them, they are very rude, and always transfer me before I can even inquire about my account. 

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Pinnacle Credit Services to date. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX
I have an auto loan with Santander that is behind, they are trying to repossess it which is understandable but the company they are using is harassing me and threatening me even though I told them I am at work and to not call me on my work phone anymore. They call me everyday multiply times a day. Today there have been at least XXXX calls from XXXX different numbers even though I asked them to stop calling me as I have no agreement with them. I am not sure what to do to make them stop calling me. I have no agreement with these people and even if I did I do not deserve the treatment I am receiving from them. I am thinking of calling the police.
When I checked my credit report I saw that a company called XXXX XXXX XXXX was reporting that I have an account with them. They are reporting that I have a balance of {$7300.00} and I have a past due balance as payments have not been made. Once I noticed this on my report I immediately sent a letter to dispute and request valid proof that I owe them this debt. They received and signed for my letter on XXXX XXXX 2017. I sent the letter certified mail and received a signature confirmation. They sent me a response on XXXX XXXX 2017 stating that they do not have any documentation with my signature or any valid proof that I have any contractual obligation to pay them. All they have are statements showing a purchase which is not considered valid proof under federal laws ( FDCRA, FCRA ). I sent them a response letter again requesting validation of the debt ; I informed them that if they can not validate the debt they have to remove the information from my credit report by federal law requirements. They received and signed for my letter on XXXX XXXX 2017.  They never responded and they also failed to add a " notice of dispute '' to my credit report within 30 days of receiving my original dispute letter. On XXXX XXXX 2017 I pulled my credit report and saved a dated copy as proof that they did not add a notice of dispute. I sent another letter to inform them that they violated the law and should remove the derogatory and incorrect account from my credit reports to prevent further action. They received and signed for my letter on XXXX XXXX 2017. I even spoke to them on the phone on XXXX XXXX 2017, I was informed that no investigation had been opened and that they would open one now which could take up to 60 days to complete. This is unacceptable. They do not have any proof to validate this debt and therefore they are in violation of the law of they continue reporting it.
i have applied with mortgage broker, he send me the CD has Jet direct funding corp .     his origination charges are {$6100.00}. the loan officer took {$25.00} K check from me as down payment to my attorney. he chose the attorney and did not give me his info. i have never spoke to my attorney or know who he is.     loan  officer  is refusing to cancel my deal, i wanted to go to another bank and will not give my my {$25.00} K back.
Have a loan with Springleaf Financial. When loan was taken out, we were told to pay for 1yr on time and we could come back for the extra XXXX we originally asked for as we were cleaning up our credit. When that year was up, we did ask for that increase and even though my credit score had NOT CHANGED, nor had any other info really changed, I was told they are " looking at it differently and could not do the increase ''. At that time, given that they had said there would be no issue, I had made arrangements to pay off two cards one of my children left a balance on and so could not pay both those and the Springleaf. I asked for deferrment of one month of payment. Was NEVER told in writing or otherwise that there was anything else we needed to do until 3 wks later when payment was already very late. At that time, given how I was spoken to my wife contacted the corporate office of Springleaf to help get resolution. The issue was we felt this was a bait and switch situation AND the fact the manager would not let us get a call from her supervisor. Something fishy going on. Too many different things being told to us. I faxed a ton of paperwork to XXXX XXXX at the corporate office. The biggest issue now is that this company is showing us to have missed TWO PAYMENTS. One should have been defferred as they promised via email and phone and the second was actually waiting to hear back from corp office AND get the correct account number as that had changed. This is not ok and this company should not be allowed to incorrectly report this account. They are not telling the entire story which involves ME WAITING ON THEIR CALLBACK!! This account should not show a late payment at all. Plus - how the change they way they score never made sense and feels very shady. We have proven that our scores never changed. That is what the said things were based off until we asked for what they promised. I want this account to reflect the TRUTH and not late payments. We were working with them to resolve issue AND had to wait on THEM to give account number when it changed. SHOULD NOT SHOE LATE!! Please help us get the reporting accurate as this is impacting my credit. If needed I can supply names and number of person at corporate office we dealt with. This is such a bait and switch thing and it is not ok to mess up credit!
There is incorrect information on my Experian credit report as follows : 1 ) XXXX XXXX XXXX reporting a debt that I have no contract or knowledge of and is not verified. 

2 ) expired inquiry still reporting XXXX inquiry date : XX/XX/XXXX supppsed expiration : XX/XX/XXXX XXXX XXXX XXXX 3 ) expired inquiry still reporting XXXX inquiry date : XX/XX/XXXX supposed expiration : XX/XX/XXXX XXXX Thank you for your assistance in this matter.
All denials and discrepancies seem to be intentional and unethical. I was approved for a forbearance less than 4 months ago and no changes have occurred with my income to date, in addition my expenses have decreased.     When contacted by CHase  Executive Office I a m always assured that there are no findings on their internal audits.  <P/>   X/XX/2017 - Appe al submitted for denial and request for income calculations since occupancy is no longer an issue.      X/2017 - 3rd modification was denied for insufficient income.   XXXX  - 2nd modification was submitted and not processed until a complaint was filed with CFPB  X/XX/2017 - Mod  ification application approved for forbearance, then denied for an internal error that reflected an occupancy discrepancy.
I found out I was going to be out for XXXX surgery. I would be out fo for 3 months. I was able to contact my creditors and have payments reduced r for this period of time do to XXXX only covering 65 % of my salary. Ocwen, my mortgage holder, gave me a hard time about this, barely understanding tanding them, she said she would send a form to fill out and it would be reviewed for consideration. form received and sent back. I did not hear anything from them so we struggled with the the full mortgage payment. For a company who says they will work with you it seems like smoke and mirrors. no one else had a problem adjusting for me. I I t seems iam held hostage for a medical problem that I had no control of. Can this be removed from my credit report so I can move on? Thanks for consideration.
Since XX/XX/2018 I've been trying very hard to have is ( TransUnion ) credit reporting agency correct or delete all misleading, incomplete, unverifiable accounts and information from my credit file. However ( TransUnion ) has repeatedly chosen not to adhere to federal law. CPA & FCRA.

The following accounts were deemed to be reporting accurately but with no physical evidence. Per sec 609 of the ( FCRA ). No proof of what they say I owe, and balloon account balance.

1 ) XXXX XXXX {$2600.00} 2 ) XXXX {$1500.00} 3 ) XXXXXXXX XXXX XXXX {$980.00} 4 ) XXXX XXXX XXXX   {$1500.00} 5 ) XXXX XXXX XXXX {$13000.00} 6 ) XXXX XXXX XXXX XXXXXXXX {$3500.00} 7 ) XXXX XXXX XXXX XXXXXXXX {$1900.00} 8 ) XXXX XXXX XXXX {$380.00} All of the above accounts has not been accurately verified. and should be deleted or removed from my credit profile immediately.
On the credit report of Transunion. IT shows the accounts of XXXX # XXXX and XXXX # XXXX of showing on my credit report. These accounts are not mine and have been reported to the police as fraud. I have also attached the police report to the dispute. Please remove the accounts from my Transunion credit report.
In XX/XX/2017, I pulled my credit reports from all three credit bureaus and found several inaccuracies being reported. My first, second, and third attempts at disputing the inaccuracy has failed. Each time, all three bureaus state the debt has come back verified. I have requested on numerous occasions the documentations used to verify the account in question. XXXX XXXX XXXX XXXX is reporting a debt inaccurately and the three credit bureaus are allowing them to violate my rights per the FDCRA and the Louisiana Uniform Commercial Code. The credit bureaus are refusing the documentation and consistently reports falsely. By law, I have the right to legally pursue legal action against these offices and at this point to consult with the State attorney & Attorney Generals office because this seems to be slander. My reports are falsely reporting and at this time I strongly feel has prevented me from obtaining adequate employment hindering me from being gainfully employed in my career.
Over 5 years ago, I enrolled in a debt consolidation program with XXXX XXXX XXXX, a company you are currently suing. I finished my program, in which XXXX. sent me multiple confirmations that all of my debt had been resolved and/or settled. I currently found out through a credit check for an apartment application that one of my debts, Bank of America, was not fully resolved and has been collecting interest, as well as damaging my credit for the past 4 years. I have not received any notification from XXXX. or B.O.A. that I still owed anything in an effort to collect or settle this debt that XXXX. confirmed that they did. Attempts to reach out to XXXX. to fix this issue have failed, as they are now stating that they did not resolve the debt, and will not take responsibility for their failure to settle. On top of that, I had to pay taxes from a XXXX that has " debt cancellation '' printed on it for the amount that XXXX  confirmed they settled for. If I owed them, instead of them issuing a debt forgiveness, how is it that I have to pay taxes on it as if it were income? XXXX  from B.O.A. and XXXX. could not provide any answer to that. 

Moreover, they failed to satisfy yet another account during my program, as XXXX XXXX XXXX XXXX served me a wage garnishment order, in which my debt with them was resolved. XXXX   again, did not fulfill their agreement to me or my program for debt consolidation and resolution. I am now stuck with past due account of approximately {$5000.00}, in which XXXX. nor B.O.A. has notified me of in the past 4 years. XXXX XXXX XXXX did not fulfill their obligation me as a client and has left me in a worse financial situation from when I started.
# 1.FALSE REPORT : untrue and not correct. reported on my credit as open acct XXXX XXXX, XXXXdebt is from medical XX/XX/XXXX for family membercalled from XXXX XX/XX/XXXX @ XXXX, XXXX, and XXXX ... repeat calls.. less then XXXX hrs apart ... Talked to a XXXX Party about Debt : the collector spoke to my Son about the debt.. offered my son a settlement for XXXX my son who is XXXX yrs. old.. at end of convo.. the Collector asked who he was speaking to my son gave him his name ... .. My son asked who he was the collector gave his name XXXX XXXX # 2 Did not disclose communication was attempt to collect a debt ... I called in on XX/XX/XXXX, because I seen on my credit.. Did not disclose communication was attempt to collect a debt at first time I contacted ... # 4 Never received notice of rights to dispute ... have had the same address for 15 years.. and another call this morning XX/XX/XXXX at XXXX.. all calls made to my cell:
After opening a credit card with Citibank, I began receiving marketing materials via mail for checking and savings accounts. One of these marketing letters stated that I could receive XXXX XXXX XXXX miles for opening a checking account, if I fulfilled a specific criteria relating to purchases and bill payments. I opened a CitiGold checking account under one of the promotions. I researched this account in full online, and one concern was that Citi had a bad track record of honoring the promotion offers that they were using to recruit customers. After opening the account, I called to speak with Customer Service to ensure that they the account does have the promotion on there and that I am good to go. They confirmed this. Fast forward 4 months. I have completed all of the criteria for meeting the promotion bonus, yet I did n't receive the bonus miles in my account. After speaking with Citi, they claimed that the account was never opened under a promotion. I filed a complaint, to which they have responded twice with the same copy & pasted letter. Despite my attempts to direct them to listen to the call where their employee confirmed that I did in fact have this promotion on my account, they refuse to honor the promotion bonus. I feel tricked into switching my checking account to them under the promise of a bonus, and now they are refusing to honor this.
Transunion and XXXX have violated my rights cant look at my credit report after being a ID theft victim Im concerned that someone has my information but I cant see whats on it
The original disbursement of my signature private student loan with XXXX XXXX, now Navient was {$5000.00} disbursed XX/XX/XXXX and since then I have made payments starting XX/XX/XXXX and to this date still owe {$8700.00}. 

I asked to consolidate this loan with my other federal student loans and was told I could not. The interest rate is 11 % and I just can not understand how my total repayment almost doubles in amount from what I originally borrowed - especially since the purpose is for higher education? I feel mislead and not told the full truth in lending or at least in a way that I could understand the future consequences when I borrowed in XX/XX/XXXX. 

As a consumer I feel that Navient is predatory and took advantage of students who needed extra financial help, which I used for supplies/fees/computers/living expenses, only to be in debt by twice as much and for 20 years just to pay off {$5000.00}. It just seems unfair.
A charged off account can not have a 150 % usage. The usage must be changed to 0 %. This is for first premier bank. This has already been disputed with Experian.
a company called citgroup credit services, a third party to citi is responding weirdly ... 

i have requested of them since 2009 a copy of their agreement between themselves citigroup credit services and their trustee XXXX and the owner of the debt as per their agreement that they would accept XXXX as noted in their letterthey have never provided such an agreement
GC Services calls me everyday with different phone numbers. I told them that I will resolve by the XXXX. They didnt want to wait. They threatened to collect it from my bank account right away.
This pertains to Case number : XXXX. 
Today, I have called Ocwen to find out why the modification process was not updated yet. I was instructed that they were still missing one last document. I explained to the lady that we sent all the paperwork but would be happy to send it again. We got into this mess because back in XX/XX/XXXX we paid the {$5200.00} that was due to reinstate the loan back on XX/XX/XXXX via wire from our bank. I called for days and monitored the account but no funds from the wire ever showed posted. It was explained to me today that their records show they did not receive payment until XX/XX/XXXX and that is why they did not honor the reinstatement of the {$5200.00} and put us into foreclosure, not returning our funds until XX/XX/XXXX. Ocwen 's bank is XXXX XXXX ( we all know about them ) who clearly told me they can take up to 3 days to post a wire! How criminal is that? I also talk to another agent at Ocwen who said it was sent back because there were foreclosure fees from XX/XX/XXXX that were never paid and they are due and have to be paid. Even thought I told him what their own letter said, he stated that form is n't really for our loan. We have an FHA loan. So neither person could really tell me the truth. So now we are in foreclosure with new fees being added to the account. We applied for a modification to stop the foreclosure process and today I was checking on the status. The young lady did tell me we could pay the {$9900.00} that is now due to reinstate the loan ( you ca n't pay your monthly payments while in foreclosure and late fees keep adding up plus new fees ). She stated there are new foreclosure fees that are being added but those will be added to the end of the loan and not necessary to reinstate. I explained to her that is why we are in the mess we are because Ocwen said we have to pay the original foreclosure fees and the {$5200.00} did not satisfy the total amount due despite what their letter said. She said, no, it was denied because it did not have XX/XX/XXXX payment in it because we did n't get it until XX/XX/XXXX. So why did XXXX XXXX who is the bank for Ocwen keep the money for 3 days? And now I am in foreclosure but she assured me I can send the {$9900.00} to reinstate and they wo n't need the foreclosure fees of {$2000.00} up front, just at the end of the loan. Looks like XXXX XXXX ca n't open bogus accounts with lines of credit so maybe they are taking the wires and using those as cash for federal reserve money for points? Interesting .... And Ocwen ca n't tell me the truth about the letters they send to their customers ....