WillisBack/dataset-financial-user-claim huggingface dataset:
I made a purchase using my Citibank card to purchase an evaluation ( 14 days ) product at a price of {$4.00} ( used internet ). The web site stated I could cancel at any time. I then seen a additional charge was added for {$89.00} ( XXXX ). I called their number as listed in the terms agreement but only got a looping message. I then learned that this was a scam. I filed a dispute with Citibank. They gave me credit then reversed shortly after. Citibank sent me a copy of the terms agreement sent by XXXX. I sent a copy of the terms agreement as stated on the web site ( plus provided Citi with the web link. ) Citibank excepted this false terms and agreement and nere told me of their finding. I should also point out that the dispute was issued XX/XX/2016. When I checked the charge date on my bank statement it listed XXXX different dates XX/XX/XXXX and XX/XX/XXXX. I looked back at two month statements and XXXX % of my charges only had one. I have asked Citybank now 4 times to explain why XXXX % past charges had only XXXX date and the {$4.00} charge for XXXX had XXXX dates. This is imporant since they are claiming 14 day notice was not met. Citibank never answered the question even after asking 4 times. I would also like to point that in the letters I did receive from Citibank they listed all XXXX numbers of my account ( not just the last XXXX numbers ). This is shown twice in their letters. Once I saw this I blocked my account. When it was done again I canceled my account.
I recently closed a loan with Prospect Mortgage. I received my initial disclosures indicating that I have a 3.99 % interest rate. Once I signed and return the initial package. On XXXX/XXXX/2015 my loan officer emailed my saying that the interest rate went up to 4.125 %. and said he would like to lock the 4.125 % rate to provide us the security of rates getting any higher, but still having the free float down option of lowering the rate if the market gets better by 1/8 % up until closing. I agreed to the 4.125 since he said the interest rate were risingassuming I was getting new disclosure, however I never got a revised disclosure and the next thing I know we were closing the loan at 4.125 %. At the time it went by so fast I end up signing documents. Now thinking back, I wish I was given a revised disclosure showing my new rate, what my amortization would have looked like prior to me closing loan. Does TILA and RESPA require a lender to redisclosuse if the interest rate is higher than the initial disclosure? If so, doesnt this mean Prospect violated these regulations. Can someone assist me. Thanks XXXX
XXXX account XXXX ..., has XXXX, PAID IN FULL. 
XXXX account XXXX ...., has XXXX, PAID IN FULL. 
XXXX account XXXX ...., FRAUD AFTER ACCOUNT WAS OPENED. 
XXXX account XXXX ...., FRAUD AFTER ACCOUNT WAS OPENED. 
XXXX XXXX account XXXX ...., FRUAD ACCOUNT. 
XXXX XXXX XXXX XXXX account XXXX ...., account was used to commit FRAUD. 

THE INQUIRIES BELOW ARE NOT MINES AND SHOULD BE REMOVED. ATTACHED PROOF OF CAR DEALERS SUBMITTING WITHOUT MY APPROVAL TO SERVAL BANKS. 
he following information is part of your credit history and is provided to others. 

XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX This item is currently being investigated. Date : XXXX XXXX, 2016
Ocwen the 3rd party servicer is forcing me into a undue/unnecessary foreclosure. 
We have complied with all the time lines Ocwen has requested and required. Ocwen has failed to request the BPO appraisal from their vendor management company. I was advised by Ocwen 's escalation management XXXX XXXX | Escalation Manager - Liquidations Ocwen Loan Servicing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXXXXXX XXXX www.ocwen.com. See email ( Exhibit A ) from XXXX stating Ocwen would need to obtain the value of the home before they would review the XXXX cash offers we currently have in hand. During this time I had to request a foreclosure sale date, which was granted an moved to XXXX/XXXX/16. During which time Ocwen had problems on their end ordering the BPO/appraisal. I contacted the first BPO agent Ocwen emailed to contact XXXX ( see email Exhibit B ) and XXXX told me she was on vacation for 2 weeks and asked me to contact Ocwen and have them reassign the file to another BPO Agent. I emailed and informed XXXX, then was give another BPO agent to contact See email Exhibit C, I contacted XXXX XXXX, I called him and asked if he can rush schedule the BPO, the BPO took place XXXX/XXXX/16, and I contacted XXXX XXXX today XXXX/XXXX/16 and he confirmed his BPO report has been submitted to the XXXX XXXX XXXX XXXX XXXX ) and that Ocwen should the report by now. I called Ocwen on XXXX/XXXX/16 and the rep indicated she does n't have the XXXX. I 've sent the XXXX with XXXX of the offers, even though Ocwen has no idea what they are basing the value of home since, per XXXX XXXX XXXX XXXX PH XXXX - told me that he will request the BPO valuation today and he should have it within in XXXX7 business day to receive. I 've asked because Ocwen 's process is taking so extremely long, why are they are not willing to postpone the foreclosure sale date of XXXX/XXXX/16 to allow time to complete the short sale. We have XXXX cash offers and we can perform and close this XXXX as a short sale to avoid a foreclosure
It has been over 13 weeks since meeting the spending requirements to receive XXXX membership rewards points on my XXXX XXXX card from American Express. I have n't received any points. 

It has been over 13 weeks since meeting the spending requirements to receive XXXX Delta Skymiles on my Delta Platinum card from American Express. I have n't received any points.
My mortgage was originally with XXXX. When they were sold it transferred to XXXX XXXX XXXX. In the XXXX of 2008 it was sold to XXXX. I would make my payments around the XXXX of each month as I got paid. The loan had a grace period until the XXXX of each month but every month @ XXXX I would start getting calls from XXXX debt collectors harassing me about the payment. Then I would be directed to the web site that each month charged me a {$12.00} " Convenience Fee '' they called it for using an automated system. Then I lost my job in XXXX XXXX '. At that point I needed to ask for a short sale. They held me out asking for above market amounts. The harassment was unbelievable by XXXX XXXX '. i was willing to do what I could to help sell the home and would vacate at any time. Eventually I had to file bankruptcy in XXXX XXXX '. After I filed bankruptcy then they wanted to help with a short sale. The home finally transferred XXXX XXXX '. XXXX made my life miserable. The treating phone calls at all hours of the day. Not wanting to help until I was forced into bankruptcy. As I get this financial nightmare turned around I will never be in a mortgage serviced by XXXX.
On XXXX XXXX, XXXX around XXXX I made a cash deposit using the ATM located outside the branch Fifth Third Bank. Once I inserted the cash making a total of {$2500.00} the machine went black with an error message ( OUT OF SERVICE ) it took my debit card and money and no receipt was printed. I contacted customer service and explained what just had happened. The Financial Center Manager was contacted XXXX XXXX she is whom assisted me and returned my card that was still in the machine. I was told that a complaint was needed and that it was going to take XXXX business days for investigation and funds to credited to my account. I waited patiently just to find out that the case was closed. I asked for a revision of cameras that are located at the ATM. My funds are still not reflecting. It is a large amount I deposited and I have been a loyal customer with them for the past 3 years.
Chase never let me know I was declined for the card. I got nothing in the mail and I had to call them to find out and they wo n't tell me why I was declined. I have excellent credit and income so they discriminated against me because I have a chase card I have n't used and they did n't want to give me the XXXX interest offer.
I HAVE LIVED IN XXXX XXXX NEVADA SINCE XXXX AND THERE IS A MEDICAL ACCOUNT ON MY CREDIT REPORT FRO, ALABAMA FROM XXXX, OR XXXX FROM XXXX XXXX HOSPITAL IN XXXX, ALABAMA .. THIS S NOT MY DEBT I HAVE BEEN WITH XXXX XXXX XXXX XXXX OF CALIFORNIA FOR OVER 4 YEARS. NOR HAVE I BEEN TO ALABAMA OR A HOSPITAL THERE. THIS IS NOT MY DEBT FROM XXXX.PLEASE REMOVE FROM MY CREDIT FILE
We began application for the " Making Home Affordable Act '' almost 5 months ago with our mortgage company RSC. I am the highest income earner in our home had a major accident and XXXX surgeries. This has prevented me from working and it has prevented us from being able to pay our mortgage due to the loss of income and now paying many new bills related to the surgeries. 
In XXXX 2015, our mortgage company confirmed by phone they had received a complete packet and a copy of the packet was also submitted to our PMI insurance company. 

We waited appx. 30 days and still had no answer as to what the mortgage company recommended and if we qualify for any programs under the MHA in XXXX. In addition, we received two letters, one letter states we did n't submit all documentation and that we had called and cancelled the application. If that has n't made matters worse, we have now received collection letters stating they will be moving forward on a foreclosure. I have made multiple calls to RSC in the past 3-4 weeks and everytime I speak to them they just say we do n't need to submit anything further and our application is in review. 
Today, I received a Certified Letter from their attorney now claiming further action on our account if unpaid and foreclosure proceedings are definitely moving forward. Our PMI insurance company has even spoken to them and they keep adding new documentation requests that are completely outside of the RMA application requirements. We feel that the mortgage company is doing this to delay our application, they are lying to us when we call on the status of the application and that they never even gave us consideration for the program that we more than qualify for to save our home of 10 years.
In XXXX of XXXX I hired XXXX XXXX XXXX to help with debt management. All companies involved, including XXXX, agreed to repayment plans via XXXX XXXX XXXX. Their agreed upon amount was {$260.00} per month. In XXXX of XXXX I had XXXX XXXX Counseling contact XXXX  to get a current balance due. At this point they said {$3300.00} left to pay. In XXXX of XXXX a final payment of {$200.00} was paid. During this entire time they have been reporting to the credit agencies that I am past due and that I owe them more than what I did, when I was paying them, on time, on the agreed upon amount. They have been reporting this for almost two years and continue to report the account as open and past due when it is not. XXXX entered into a contract, as all the other companies, with XXXX XXXX XXXX, accepting their terms and repayment, but continued to report as a delinquent account when, in fact, they were being paid correctly and on time.
On XX/XX/2018 I filed a complaint very much similar to this same complaint with this exact company wth exact amount and account number. I requested debt validation and to have this removed from my credit file untl futher notice or the amount alleged that is owed was paid. On XX/XX/2018 the company responded with the following statement " The matter has been placed in a properly disouted status along with credit reporting bureaus. We have requested from our client XXXX, the itemized Bill and Signed Admission Form for consumers review. '' Subsequently the item was removed from my credit file as per my request. On XX/XX/2018 The item has been once again added to my credit file which has caused my credit score to drop significantly which displeases me tremendously. First I thought the companies wording " The matter has been placed in a properly disputed status ... '' was a play on words. There was never any intention of verifying this debt with me and it was simply a bid for additional time to once again add it to my credit file I have attached a copy of the previous complaint dated XXXX, XXXX Complaint # XXXX Under the circumstances I now am requesting this entire file be deleted from my all reporting credit reporting bureaus and closed. If not I will be forced to contact an attorney for violation of FDCRA. I was told I would receive information regarding this debt and I have NOT. I was told it would be removed from my credit file and it has NOT. I am now saying that this will be my last request that I process for FREE. Any additional complaints will be charged to Ability Recovery Services at a rate of no less than {$120.00} per hour with a mininum of 1 hour or {$120.00} charge. 

At this point I am NOT requesting for verification, I am demanding a Total Deletion.
Equifax continues to report a negative XXXX account XXXX on my credit report even though I was just an authorized user and had no payment responsibility for the account. I disputed this account with the XXXX nationally based credit reporting agencies and the account was correctly removed by XXXX and XXXX, but Equifax continues to report the account even though their records show me as an authorized user.
My father XXXX XXXX XXXX owned the property at XXXX XXXX XXXX XXXX, MA XXXX. He passed away on XX/XX/XXXX and left no will. I worked with a lawyer to get everything turned into my name and started to begin the process of dealing with the mortgage company Nationstar ( now Mr. Cooper ) I currently reside in the house with my niece age XXXX. I had no access to accounts for my father until after his death and in XX/XX/XXXX I contacted the mortgage company to get the ball rolling on paying back debt etc. I had my fathers insurance settlement and was able to pay the mortgage at this point including the back due amount. I was unable to speak to anyone directly as they stated that they didnt have the proper paperwork. I contacted my lawyer and had her send paperwork over. Lawyer is XXXX XXXX of XXXX, MA. I was still delayed for months and in XX/XX/XXXX got a check for past due amount and mailed this over to mortgage company as someone told me to pay it and they will talk to me. That check was never cashed. I cancelled that check in XX/XX/XXXX and on XX/XX/XXXX mailed another check with amount past due. I tried repeatedly to contact this company, on hold for hours on end. I was switched to multiple agents handling my account and any direct line to them left me to a voicemail which i got no call back, EVER. It was not until XX/XX/XXXX that I was finally able to speak to someone as they didnt realize that my fathers name and my name were the same- they had the proper documentation in front of them all along. I asked what I could do as I was willing to take over the loan and apply for a modification. I asked for information to be sent and by XX/XX/XXXX still had not received documents. I got a call from a collector and was finally able to get documents needed to apply for a modification in XX/XX/XXXX and faxed them out around XX/XX/XXXX. I heard nothing back. I have received no certified mail, I just get bills with my mortgage past due owed. I am now in foreclosure and am able to make the payments but no one will work with me. My foreclosure date is set for XX/XX/XXXX. I did not even get any notification in the mail that this was happening, but rather heard from family who saw it in the paper. This company has swooped down on a XXXX mans house and I am trying to protect myself and my niece ( who is entitled to 25 % of the house. ) I just want to pay my mortgage and get back to normal, but this has become crippling to me as I have been given the runaround for over a year now.
I had received a XXXX XXXX for my XXXX XXXX at XXXX. When it came time to certify, I had my certification in on time, except I didnt have my social security number at the top of the page. They still were able to file it in my file. I was given an additional 30 days to send in recertification. My paperwork was in prior to the 30 day notice and before the grant was converted, but the grant was still converted. I have spent countless hours on the phone and filling out documents trying to get everything straightened out, with zero success. XXXX and the ombudsman line give zero help whatsoever. I would greatly appreciate any help you can give.
I was recently unemployed so I began a forbearance on XX/XX/2018. Since it was approved on XX/XX/2018, the company has been charging me more interest than I should be getting charged. Instead of the interest generating correctly among the four different loans, they are distributing the loan interest to the highest loans with the largest amounts. Before the forbearance, it did not show a {$0.00} dollar amount for XXXX loans and a large amount of interest for the other XXXX. But that's what I have been seeing since I went on forbearance. I am being charged a ridiculous amount of interest that is compounding at an astounding rate. This is much higher than if I was paying the normal amount per month. They do this on purpose to make it capitalize towards the entire loan amount. These guys are XXXX and shouldn't be able to get away with this. If I could afford a high-priced lawyer I would. I have visual evidence as well in the form of screenshots. Let me know what I need to do next. Thanks
I have a loan with STATE FARM BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX XXXX and STATE FARM BANK with no successful resolution. XXXX XXXX XXXX XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX.
have attached 2 complaints against XXXX XXXX. I has disputed XXXX XXXX of Georgia that appeared on my credit because I did not know who they were. And before I could even get results, the name changed to XXXX. I disputed that item, the company could not be reached and it was sent to the FTC regulator and the item was removed from my credit. Then XXXX sold the debt to XXXX XXXX. The letter informed me that I had 30 days to notify them in writting if I disputed the debt. I immediately called them to inform them of the dispute status of the original account. You can read the attached complaint. The notified me that they would not report and remove the item from my credit files until they completed an investigation and notified me of the results. At the time I filed the complaint they were not showing on my credit file, but then XXXX XXXX appeared. I was suprised as I had not received any notification of the results of investigation. So I filled out a second complaint, you can see the attached complaint. They did not respond, I am waiting for a response and the item is still on my credit. It is a deceptive practice to say they are going to do one thing, and then take a negative action against me that is contrary to what they said they were going to do. This items needs to be removed from my credit as they violated my rights as a consumer 1.  For reporting an item that had already been removed 2. Not responding in a timely manor. 3.  Taking a negative action against me after saying they were not going to report the item till they notified me of the results of the investigation. I called the company Friday to try to figure out what was going wrong, why they were not responding, they said you trust consumerfinace.gov to transmit information to us. I spoke with three people, I still have no clue as to why this item still appears on my credit history. Every person I spoke with said they were a manager or a boss, when questioning if that is their real position, they get mad. I feel that they are liars, that really do not want to offer resolve. They said it is your address and we they delivered it to your house. They provided me with some images that show someone picked the merchandise up from the ware house and that the items were not delivered to my house, and that the person who picked it up had a different name than me. Please remove immediately.
The person from SIMM associates that I was contacted by identified me ( without XXXX stating that it was an attempt to collect a debt ) by discussing a payment arrangement we had made, then reading out to me the last XXXX of my SSN. He then disclosed that it was an attempt to collect a debt - without my telling him any information, only confirming that information which he read to me. I have legitimate concerns with the possibility my personal information was given out. When I hung up and tried to contact a manager there, I was placed back on the phone by the operator with the agent that engaged in this malfeasance.
I recently applied for a HELOC from Bank of America since I have been banking with them for over 22 years. I joined XXXX Bank in XXXX which is bought by BOA in XXXX. I was expecting a concierge level support since I have been Banking with them for a while and to my dismay my experience have been the worst ever so far. I clearly told the BoA rep I was trying to refinance my existing HELOC from XXXX Bank which had a loan to value of 80 %. I was told that as long as I have credit score over XXXX and the value of property is above 950K that should not be a problem. I have been assigned to a processor called XXXX and we have been playing phone tags for last 4 weeks and never had a chance to get hold of her. I have spoken to multiple customer care reps last few weeks and I am hearing the different stories from them. I even escalated to a supervisor twice and they promised that he will expedite handling of my file which is a complete lie and I am extremely frustrated about the way they handle my file so far and I wasted so much time talking to BOA on the phone and ca n't get anything done. Appraised value of my property is XXXX and my credit score over 730 and I got this letter from BOA America stating that they ca n't refinance my existing Heloc and my application got rejected. When I talked to supervisor called XXXX she told me that they have a counter offer of 75 % LTV and BOA rep will follow me. When I spoke to BOA rep called XXXX he told that he ca n't even consider 75 % LTV and maximum they can offer is XXXX due to too many inquiries in my credit report and some late payments back in XXXX time frame. I explained to BOA rep that I have been shopping for a mortgage for a while and due to that I have some inquiries from other Banks which was not converted to loans. I also told them late payments were due to short sale due to an extra ordinary circumstances back in XXXX and explained to BOA rep none of previous banks denied credit due to this issue and XXXX and Credit unions offered me 80 % LTV Helocs in the past after completing 3 years of short sale and I never had a pleasure to bank with them over 22 years similar to the way that I have been Banking with BOA. I am very familiar with Helocs since I had atleast 10 of them for last 20 plus years and BOA did n't have a courtesy of asking me what went wrong back in XXXX. Instead they flatly rejected my original offer and the story keeps changing every time I spoke to BOA rep.
This was never a debt I paid my account in full and had them pick up the equipment when we moved. Now they have put me in collections for items I do not owe on.