WillisBack/dataset-financial-user-claim huggingface dataset:
Because of CFPB very primitive questionnaire of bank services and because of illegal closing of my previous complaint about Citibank wrong doing by way of " push the envelope '' instead of really providing only announced " A central part of the Caps mission is to stand up for consumers and make sure they are treated fairly in the financial marketplace. One way we do this is by enforcing federal consumer financial laws and holding financial service providers accountable for their actions. '' I repeat stating following defects in XXXX XXXX management in my letter to XXXX from Citi Executive Response Unit I received your response to CFPB on my complaint against Citi customer policy from 2018. I reject your statements about " our goal is to provide all of your clients with the highest level of service '', and " we have recently implemented enhancements to Citibank Online to aid our clients in conducting their online banking '' as fraudulent and humiliate. I request to return all forms of clients Citi service to any which were provided before your enhancements. 
As I stated to CFPB and Federal Reserve Consumer Help office : Current service defects are expressed in 1 ) forbidding to customer to connect with Bank in documented email message form ( such form existed till 2018 ) and insisting only on connection with irresponsible forms of chat and phone ; 2 ) bad imagination of new " enhanced '' customer account image with using signs instead of understandable words and many other defects ; 3 ) permanent different transactions information in customers account at home and in bank office of same customer account on same day and time ; 4 ) taking part in usual and factual criminal seller/bank practice of refund delaying for many days. For example, refund of {$38.00} was delayed by Target for 20 days without any help from bank to reduce and stop such action which is usual criminal policy of seller and banks together.

Generally speaking : Citi provides new fraudulently " enhanced '' service policy with goal to restrict customers civil rights on getting whole financial information. Please, compel Citi to exclude in its dealing with customer all defects mentioned above.

This message directed to Citi leaders. 
In consideration of this complaint I request to stop CFPB usual manner of " pushing the envelopes '' and to execute the enforcement and regulation requirements of 12USC Chapter 1,2,3,21,36,41,48, 12CFR Chapter X Part 1011.4, 1074,1080 and other known to CFPB financial laws and rules with goal to compel Citi to reject all mentioned above defects of mass violation bank customers financial rights without any attempt to close such complaint without strong investigation, regulation and fixing wrong Citi service policy as requested by CFPB laws and rules.

Because of CFPB additional questions about amount of customer, their names, address and so on, I stated the camplaint is conserning me and all others customers in Citi.
On Friday, XX/XX/2018, I visited Cash Store located on XXXX XXXX XXXX XXXX, XXXX, IL XXXX ; Telephone ( XXXX ) XXXX. I gave this company all of my personal information : bank statements, copy of blank check, copy of identification, and copy of proof of income. The clerk whose name was XXXX also had me fill out a disclosure form. However, after all that divulging and signing, XXXX declared I was not approved of the loan because my checking account has been opened for less than thirty ( 30 ) days. I asked her to shred my personal information, but she refused. XXXX claimed that they hold on to information in case they get audited.
I attempted to purchase a dating service from a merchant called " XXXX ''. The merchant charged {$3000.00} on my credit card and provided no service. The merchant claims there is a contract and the funds can not be returned. However, I did not sign any contract and requested the merchant to cancel the service. I informed Navy Federal Credit Union to dispute the transaction more in early XXXX 2016. It is now more than 50 days since the dispute was filed and the merchant has not responded. Navy Federal Credit Union is now requesting another 45 days for the dispute. From my understanding, if the merchant has not responded, the credit must be issued to my account by federal law. How long should this bank give the merchant? If another 45 days is allowed, we are looking at about 100 days total. It appears the bank is assisting the merchant to process a fraudulent transaction.
I would like to submit a formal complaint related to Citibank 's refusal to honor the CitiGold checking account promotion for XXXX XXXX XXXX miles after I had met all terms of the promotion. Upon enrolling in the CitiGold checking account under this promotion, I contacted Citibank directly via Secure Message to confirm my eligibility and ensure the promotion had been properly attached to my account. A Citibank representative replied ( see attachment for full documentation of my conversation with this representative ) and confirmed that the promotion had been properly applied to my account, my XXXX XXXX number had been linked, and I would receive the XXXX XXXX XXXX miles after meeting the promotion 's spending and bill pay requirements. Additionally, I also received hard-copy documents in the mail with my CitiGold welcome package that explicitly stated my enrollment in this promotion, and in no unclear terms also stated that the XXXX XXXX XXXX miles would be awarded upon meeting the promotion 's debit purchase and bill pay requirements. 

After meeting all of the promotional requirements in XX/XX/XXXX, I contacted Citibank again to get a time estimate of when I could expect to receive my promotional award of XXXX XXXX XXXX miles. Another Citibank representative responded and directly contradicted earlier communications from Citibank by stating the promotion could not be applied to my account, and the points would not be awarded. As a result, XX/XX/XXXX of requested an investigation be opened with CitiBank to escalate this issue. It has now been over a month, and I have still not received a response from CitiBank regarding the outcome of this investigation. As such, I have no choice but to escalate this to the CFPB to request their assistence in resolving this matter. 

To summarize, Citibank, through both physical and electronic communication ( see attachments ) has previously confirmed my enrollment in their Citigold promotion for XXXX XXXX XXXX miles. Upon completing all promotion requirements, Citibank has failed to fulfil their end of the promotional agreement, and has failed to respond in a timely manner to my attempts at resolving this issue directly with them.
To CFPB, We previously contacted you concerning Trans Union and the old inaccurate addresses still on my report. Trans Union did send us a report but stopped short of showing the deletions of the old addresses. This is troubling to us considering that Trans Union states they take the accuracy of a report seriously. Apparently not!!
I am disputing my account being sent to collections. My account was only 60 days pass due. I live in a rural area and the post office it opens and closes while I am at work. I am not disputing paying my bill but I owe only {$140.00} pest control service " XXXX XXXX XXXX XXXX '' the collection company is " A collection Agency sent me a letter saying my account was in collections and increasing the balance with interest. I called the agency and the pest control company and they said my account was in collections. I told them my situation with post office, I also lost my key XXXX XXXX key reason I could n't get mail since my XXXX XXXX was under my name. Anyhow I told them my account is n't 180 days pass due it should have not been in collections nor should my account be collecting interest if it is in collections as a charge off account. I told them it 's illegal to collect interest on a charge off account. They refuse to listen. I mailed my payment just because I know owe {$140.00} not paying interest but I would like for you to check there ethical collection pratices
I have been getting repeated " robo '' calls to my home number from various numbers that all leave the same message about a collection of debt. I follow my credit rating, score and owe no debt that monthly payments having been made ( home, car, etc ). 

The debt collector message just lists the name of the lawyer and an 877 number. At first we thought this was just a " phishing '' type scam but some searching found this person is known for bad behavior in debt collections. That is the reason we have not tried reaching out ourselves. 

The caller : Maury Cobb Attorney XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Number called from/date/time : XXXX XXXX XXXX/XX/XX/XXXX/XXXX and XX/XX/XXXX/XXXX XXXX XXXX XXXX/XX/XX/XXXX/XXXX and XX/XX/XXXX/XXXX XXXX XXXX XXXX/XX/XX/XXXX/XXXX XXXX XXXX XXXX/XX/XX/XXXX/XXXX These are just the calls I can remember documenting. The last call I saved the " robo '' call message as well. All messages are exactly the same and mention nothing about whom is being called or what the debt is about. Nothing has been received in the mail about this either. 

I have no documents but can provide the recording if required. Call logs can be obtained from my service provider if needed as well. 

Please make it stop and what other legal actions are available to me? 

Regards, XXXX XXXX
After returning to school at XXXX in XX/XX/XXXX, I applied for and received a Citibank private alternative student loan. At the time XXXX financial aid counselors, who had recommended that I go this route to subsidize my costs of attendance, did not notify me that the loans in question were " alternative '' loans, and therefore non-subsidized or guaranteed. After successfully completing my classes in XX/XX/XXXX, Citibank notified me that my loans would begin repayment immediately, at a cost of over XXXX. Given the timing of this repayment, during the height of the financial and banking crisis which was driven largely by banks like Citibank and irresponsible lending, I contacted the bank and notified them that I was unable to make a {$500.00} payment at that time due to job and economic conditions. I further requested that Citibank work with me to come to a compromise as to what would be a reasonable payment amount per month, given the circumstances. Citibank refused all efforts on my part to work out a payment arrangement, and declared that it was all or nothing. Their position was that either I paid the {$500.00} each month in full, or they would default my loan and thereby prevent my future purchases of homes, cars, etc. Their agent was rude, insulting, unprofessional, and inflexible. I responded, over a period of several weeks worth of calls and attempts to resolve the matter, that since they were making an " all or nothing '' demand, I would be forced to respond in kind. As such, I refused any payment and allowed the loans to go into default. Since that time in XX/XX/XXXX, I have never received a single letter, phone call, email, or text from Citibank regarding the status of these loans or any further attempts to collect or work out a compromise agreement. However, the loans were reported to the XXXX major credit bureaus, and remain on my credit record to this day as defaulted or in collection. The cumulative effect has been a significant drop in my credit score and denial of credit to me. I was recently instructed by several people, however, that because my loans were not federally guaranteed student loans, and because Citibank has made no efforts to collect or follow-up on these loans since the default occurred in XX/XX/XXXX, that I was legally entitled to have the loans wiped from my credit record, and the default removed without further penalty due to Citibank 's lack of action on the accounts in the last XXXX years. Should that not be the case, I was notified that regardless of status, having reached the XXXX year deadline since loan default, and even more since loan inception, Citibank is required to remove all references to the accounts in question from my credit files.
Account was last reported XX/XX/2015 from XXXX XXXX for the amount of {$270.00}. I never received notice to dispute debt. I have lived at the same address for the last 4 years and havent received any notification, I should not be held accountable for debt that I was uninformed on or given a fair opportunity. I have attempted to dispute on my own through the bureaus but have not been given a resolution.
Wells Fargo has my mortgage and my husband refinanced our new home in XX/XX/XXXX with them for an adjustable mortgage My husband died in XX/XX/XXXX and I have consistently paid over the payment required.

They recently adjusted my mortgage my 3.125 to 3.625 and I have a payment of XXXX and made payment of XXXX. 
the original loan was XXXX and new balance is XXXX. 
There have been things about this mortgage which I have questioned but talking to them gets me nowhere, Now this payment they gave me XXXX on principal and rest on interest. I got credited amount over XXXX to principal. 
Never Never Have i ever had only XXXX of the regular part of payment applied toward principal. 
I really believe because I have been paying so much consistently over mortgage amount that things just are not right. My husband got talked into this loan and I remember them saying by paying XXXX over amount due we would knock years off loan. 
. There is something way wrong with this entire mortgage and I do not know what to do?? I can remember in the beginning I had made a payment early and got no money credited to principal and only interest and they told me no one told me to make the payment early. I got no where with them and now I wish someone would review my payments and the practices of Wells Fargo mortgage, I really believe Wells Fargo has some questionable practices and I realized my husband consented to this mortgage but something is wrong and I need help. 
I do remember they wanted to increase the amount and I told my husband no way because mortgage total due would be more and we did not do that.
Had a balance at XXXX but the mail was sent to an old address. Once I received that XXXX mail at my new address I paid it off directly to XXXX. XXXX never called or emailed me when they couldn't get in contact with me via mail. I don't know if XXXX mailed my old address, but they never called me. The total was {$220.00}.
please remove my hard inquires as your customer Service was very rude and not professional and would not help me to remove the inquiries 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 disputed the accuracy of 4 public records listed on my credit report in XXXX 2017 with XXXX, Experian, and XXXX. All 3 companies reported back to me that the information was verified and to check with the creditor reporting the items. I contacted the listed Courts for all 4 public records to get information about their verification process and they informed me that they do not and did not supply public record informaiton to credit bureaus and did not verify any information with any credit reporting companies. I then contacted all 3 credit bureaus again and requested the manner of verification, specifically asking for names and phone numbers of the individuals that verified the information. As well I informed them of the information that I received from the Courts. XXXX responded that the information was verified. XXXX responded that they received the information from a third party - XXXX XXXX. Experian did not respond to my letter. 

Through these actions the 3 credit bureaus are committing fraud by reporting information that is not accurate. XXXX  has admitted to it by saying that they received the information from XXXX XXXX. They have not updated by credit file to reflect that information. 

I have a right under the FCRA to have accurate information reported at all times and to have inaccurate information removed immediately. I am now going to file small claims actions.
I have never had any agreement with this company! They are reporting to all credit bureaus that I owe them a debt which is illegal! According to XXXX XXXX, XXXX. XXXX " The right of subrogation does not exist for a stranger to the transaction. '' They have no legal rights to report any debt or other wise to any bureau nor post or obtain any information on my Credit Files. This is not a dispute and should not be posted on my report as said. 
This is in regards to XXXX
DIVERSIFIED CONSULTANTS Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX they are trying to collect money from that I already paid with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX I do have a letter that the gave me and did fax it to DIVERSIFIED CONSULTANTS. I would like this removed from my credit report. if you have any questions feel free to contact me.
I had previously ( on XX/XX/2018 ) tried to get a payday loan, and was unable to due to not having enough open accounts, according to XXXX XXXX XXXX, I have a credit score FAR HIGHER than what is true and they wouldnt allow me to dispute it when I called in. I have 3 credit cards open, one for more than a year, and they also reported my credit score more than 220 points above what it actually is. I called to speak with someone at XXXX XXXX XXXX XXXX about disputing it, and was informed that they refused to speak with me over the phone regarding a dispute until they send me my credit report to ensure the information even needed disputing. They reported my score far higher, I already knew I needed to dispute it. More than two weeks later, I receive the credit report only to find what I suspected to be true ; its incorrect and needs disputing.
I am XXXX on state aid I was suppose to get a free government phone from XXXX they sent me a bill 10 days after I received the telephone and I contacted them to tell them it is a free government planfree phone and free 500 minuets they transfered me and talked me in circles I mailed the phone back 2 years ago before the month was even up. I owe them nothing I was told it was a government program I signed nothing and they had their phone back in their possesion within 22 days I want them to remove this Scam off my credit report
I have 7 total XXXX student loans and 2 Consolidation loans serviced by XXXX, who took over as my loan servicer from XXXX in XX/XX/XXXX. I have been making regular monthly payments on a fixed repayment schedule for all of nine loans on my account. I have 100 % on-time payments, and believe that I qualify for interest rate reductions that have never been applied to 5 of my XXXX loans. As a result, I believe I have overpaid interest significantly over the repayment history of the loans. 

Five of my XXXX XXXX ( disbursement dates XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX ) have a 6.55 % interest rate and on the XXXX online account summary for each of these loans, the loan details show potential rebates after 12, 24, and 36 on-time payments. Aside from this general statement of eligibility, no status is given nor indication of number of payments until the benefit becomes active. I believe I should have qualified for each of these three rate reduction milestones several years ago. Additionally, timely payment benefits for XXXX loans are also listed in the XXXX section of XXXX XXXX website. 

I first emailed XXXX customer service around XX/XX/XXXX and did not receive a response. I made a second email attempt in XX/XX/XXXX and did not receive a response. I called XXXX on XX/XX/XXXX and reviewed the issue with a XXXX representative. The representative acknowledged that my loans appeared eligible for interest rate reduction, and that an inquiry would be sent to the loan processing department, and I would hear back soon. 

I called back on XX/XX/XXXX and spoke with a XXXX representative who acknowledged record of the previous inquiry into the loan rate reduction. The XXXX representative needed some time to look into the matter, but said she would call me back. I received a call back that day and the XXXX representative stated that my 5 XXXX XXXX were eligible for a 3 % interest rate reduction, which would be applied to the accounts within 2-3 weeks after approval by management. The XXXX representative also acknowledged that these rate reductions would be retroactive to the date on which the loans were eligible to receive them. In addition, the XXXX representative stated that 2 of my other Stafford loans ( at interest rate 6.8 % ) were eligible for a .25 % interest rate reduction. 

I spoke with the same XXXX representative on XX/XX/XXXX who indicated that after review, the 5 XXXX loans are not eligible for a rate reduction. When asked what changed after management review to make them ineligible, the representative did not know or have access to the review documentation. I requested the documentation that resulted in the determination of ineligibility for interest rate reduction, but the representative did not seem to think that I would be granted access to the documentation.
Equifax had a security breach, yet I am now somehow responsible for paying fees on Credit Freezes to protect myself and my credit because Equifax decided to keep my personal information in plaintext. Nope. Equifax can pay to put freezes on my credit, since they were irresponsible with my data.
I applied the XXXX platinum charge card which offered me XXXX Membership rewards points as the sign-up bonus. It required me finish XXXX dollars purchase within the first three months. However, the system gave me the sign-up bonus on XXXX XXXX and removed them on XXXX XXXX! That made me confused because I knew that I did not fulfill the spending requirement yet. I thought there must be something wrong with the system, so I did not pay attention to it and continued to purchase by using this card in order to satisfy the XXXX dollars spending requirement. However, even after I spent more than {$3000.00} dollars and waited several months, my account was not credited with the XXXX Membership rewards points. I contacted with XXXX via online chat which said I should make a phone call to XXXX. When I called the XXXX representative, she said I can not get the sign-up bonus because of some cancelled charges. That made me so shocked because I believe I did not cancel any transaction. Moreover, when I asked her to provide me the details which transaction I cancelled, she just told me she did not know and repeat over and over again their so-called " policy '' -once the sign-up bonus released and would not give back after removing. However, a friend of mine actually also confronted the same situation but got the sign-up bonus back after contacting XXXX! Their explanation is unacceptable because the fault is not made by me but XXXX system. I conservatively value XXXX Membership reward points equal to XXXX cents, so XXXX Membership rewards points are equal to {$2000.00} dollars. Therefore, I have to suspect that XXXX intentionally gave me and took back the XXXX, XXXX Membership rewards points sign-up bonus within 2 days in order to deprive my rights to acquire them.
Springleaf Financial is now One Main Financial. When I initally opened my account, they were Springleaf Financial. After the name change of the company, they erroneously reported the account twice with the same account number, different balance and two separate open dates.
Payment check was received and cashed by Nationstar Mortgage but the amount was not credited and posted to my account. This falsified missing payment incurred numerous late, legal and fabricated inspection fees
I paid this loan back and showed the company proof. They insist that it was paid on XXXX and returned on XX/XX/XXXX. I sent my back statements to show this being untrue. They are still harassing me and now threats to contact employer and friends. I have multiple communications with this company. They continue to harass me and threatening me.