WillisBack/dataset-financial-user-claim huggingface dataset:
I requested a 12 month deferment to for my Navient student loan in 2010. I had lost my job in 2010 and this is the reason I needed to deferment. At the time I requested it they were called XXXX XXXX. I tried to contact XXXX XXXX in the 12 month. They never notified me they changed into Navient. They came back and said since a was one month over the 12 months, XXXX total that my account was sent to credit collection service called Pioneer. My loan was for XXXX. They added XXXX for the one year deferment. The total was XXXX I would owe. Navient-Pioneer said since I wnt one month over they were adding XXXX to my loan as capitalized interest for the one month over. My loan went from XXXX to XXXX. They never contacted me about the name change. Can they do this to me? Is this legal to charge someone XXXX for a month for interest. I call them and never get any answers
In XX/XX/XXXX I noticed several inaccurate and fraudulent address, accounts and inquiry 's on my credit report. I believe I am a victim of identity theft due to several security data breaches I have been involved in with companies such as XXXX XXXX and XXXX XXXX. I am requesting that these accounts are removed from my credit report immediately as this is severely impacting my life.
Out of my dismay, lately I received several pieces of letters from Citi - American Airlines AAdvantage Card ( like the one I attached ) telling me that I have a card with them. Obviously somebody has stolen my identity and opened a card in my name. Even worse, Citi let this happen without any unusual observations. My XXXX email account got hacked over the past few months and I noticed that I received several requests from Citi to activate the card that I did not apply and had never received. How did this happen?
I opened a Citi Gold Checking account in XXXX, XXXX. The account was opened using a promotional offer that Citi had, which provided a bonus of XXXX Thank You Points ( worth approximately {$500.00} ) once the following conditions were met : 2 bill payments in 2 separate months within 2 months of opening the account. 

I opened the account, and verified ( via Secure Message ) with Citi that my account was opened using the promotional code, and that I had met the requirements of the bonus. I was told ( in accordance with the promotional terms ) that the bonus points will post within XXXX statements of completing the requirements ( which would have been XXXX, XXXX ). 

It is now XX/XX/XXXX, and I have paid {$90.00} in monthly fees to Citi, and Citi has not upheld its side of the promotion. Citi now claims that I was never eligible for the promotion, and requiring that I provide proof ( which was a postcard mailed more than 6 months ago ). I specifically confirmed that I was eligible for the promotion via secure message, and as such do not keep promotional mail offers for 6 months. 

Citi customer service representatives have been unprofessional and uninformative when trying to resolve this issue. Their CSR is incapable of making any changes and implementing any resolutions, other than pointing the finger at different departments. 

My husband has an identical complaint, and has filed a CFPB complaint as well. From searching the internet, there are hundreds of people which Citi is not upholding their terms of the promotion, while still charging monthly service fees for not providing any " service '' other than ripping off their customers.
We are currently in process of selling a home. The buyer 's agent and the lender are non-responsive to my agent and staff. We are now 3 weeks past our original close date with no explanation whatsoever. We are also out of contract as of XXXX/XXXX/2016. We will be going to litigation for the buyers escrow as we have no signed extension or cancellation from the buyer. We are currently seeking legal counsel in regards to Movement Mortgage ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) and XXXX XXXX ( XXXX-ID XXXX ) with XXXX XXXX. 
As an out of country seller, the conversion rate alone has costed me over {$2000.00} in the last week of losses. The utilities were turned off for the original close date. Our grass is now dead due to lack of water. We have received no correspondence from Movement Mortgage or XXXX XXXX as to what is happening with this transaction. 
Per the realtor contract, we are entitled to the escrow of {$2000.00}. We will be pursuing this as the lender has caused the buyers default of the contract.
On Tuesday, XX/XX/2018 at XXXX I was contacted by XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX I was threatened with a lawsuit if I did not make a promise to pay to debt. I was repeatedly told the call was recorded. I asked her to please stop threatening me with a lawsuit she did not stop the scare tactic. 

Also on a previous call, they informed me that they had checked my credit to see that I had been settling other accounts and told me I need to settle with them or they would take to me court and garnish my wages.
This company did not properly follow the decree set forth by the CFPB. They continue to harass me. I am on social security and recently suffered a XXXX XXXX. This debt was iin dispute originally. There was no chain of custody provided other than a bill of sale. Portfolio Recovery relied on in house verification
This complaint to to address a previous complaint Complaint number : XXXX & Complaint number XXXX There are multiple items that I have disputed however the bureaus Experian, and XXXX   have not removed the items and they did not perform a proper investigation with the creditors in a CDV format in accordence with 15 U.S.C. 1681s-2 ( b ) ( 1 ). I demand proof of the scope of the dispute outlined on a CDV form received by the furnisher. I do not believe that the previous items I disputed which are included below were investigated and I know for a fact that the bureaus never gave me proof of this investigation before so in result I demand all of the items be removed IMMEDIATELY to prevent my legal right to privately SUE the creditors and furnishers. Doing so will take so much time as I have already lost so much time and have been denied credit when I need it to better my life. 

In my previous dispute to Experian on XX/XX/2019 I also included copies of my ID, Social, and proof of address and on XX/XX/2019 I received a letter from Experian stating that in order to process my dispute I will need to send them my ID, Social, and proof of address. They deliberately sent me this letter as a stall tactic to completely ignore my disputes and proper investigations that need to be taken place in order to verify the accuracy of information on my credit report. They gave me other options to send in my id, social, and proof us address such as www.experian.comXXXX they are not allowing me to upload my documents to the system because it is rigged! I have attached this letter into this complaint which serves as total proof that Experian is not treating me fairly and has not properly addressed my disputes or performed a proper investigation. 





Items I demand be removed XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS COURT DOES NOT HAVE ACCESS TO MY RECORDS AND AS PROOF I CALLED THEM TO VERIFY THAT AND THE OFFICE DISCLOSED THAT THEY DO NOT PROVIDE PRIVATE INFORMATION TO THIRD PARTY AND SO IT IS IMPOSSIBLE FOR THEM TO VERIFY THIS ACCOUNT ON MY REPORT SO IT MUST BE REMOVED AS IT DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Phone XXXX I WAS NEVER LATE ON THIS ACCOUNT AND CREDIT HAS NOT PROOF OF SENDING EARLY WARNING NOTICE AND AGREED TO REMOVE ITEM OFF MY CREDIT OVER THE PHONE
I had money transferred to my Paypal account, after which they locked/limited me and asked me to prove my identity and address. I uploaded those files on the link that I got, after which I got an email saying my proof of ID had to be reuploaded. Went back to the link and there was no option to reupload it. I emailed them every single day since, but only got an automated message back. I called them but gave up after waiting for an hour, tweeted them and got no reply there either. They are basically holding my money XXXX and I need it to pay my bills.
On XX/XX/XXXX, I provided a mechanic with my credit card details in order to release my vehicle. The vehicle had been housed for one night, with minimal diagnostics done and estimates given or billable repairs authorized. He charged my card {$1000.00}. I filed a police report immediately, reported the charge as fraudulent, and have been disputing for 10 months. After escalating the dispute as far as possible, I received a letter from the Chase executive office today saying they had " thoroughly '' investigated, and based on materials I'd provided ( they never requested any materials from me, though I made numerous attempts to provide them with documents ) they still found the charge to be valid and would not be investigating any further. 

They have allowed fraud and crime to occur without any justification for why they'd do so, and have illegally withheld my funds for the better part of a year.
My wife and I were honeymooning in  XXXX  over the holidays in  XXXX . On our first day in  XXXX ,   XXXX   XXXX   XXXX  , we were taken unexpectedly through an elaborate manipulation that landed us in  XXXX   XXXX , a tailor that we thought at the time was legitimate but soon after realized we had been swindled out of {$1700.00} in clothes. Within the hour we immediately ran to the hotel, and confirmed our fears with the front desk who advised us to call our bank right away. So, we did. While my wife was on the phone with CHASE I used the hotels cell phone to call the store, talked with the owner and after much debate we hung up confirming the cancellation of the sale. As my wife wrapped up her conversation with CHASE what was understood on our end was that the charge would be placed on hold and would not go through. Our next course of action was to then take it up with the Fraud Department, which we did. However, in  XXXX  we received a letter in the mail that  Chase  ruled in favor for  XXXX   XXXX  because I signed a " no refund '' receipt. So I then contacted the  Executive  Office of Chase on   XXXX   XXXX   to, once again, explain our case. The Executive Office responded now that they can no longer help us either.    1 )   XXXX   XXXX  manipulated a sale. It is a fraudulent situation. There are many  XXXX   XXXX  reports stating the same thing. We would be happy to print them up for you and/or send web links for your records.    2 )  We called right away to confront and stop the charge. We followed  Chase  's directions which was to contact the merchant and agree on the cancellation of the sale.    3 )   XXXX   XXXX  is lying in their report. They never came for a second fitting to our hotel. They didnt make our garments already ; there is no way. Its impossible. We called them, and  Chase  within an hour after leaving the store.    4 ) If they DIDNT  cancel the sale then they should have sent the garments to our hotel in  XXXX  on   XXXX   XXXX   XXXX  , which was the initial agreed upon shipping location and date. That never happened.    5 )  We dont understand why the money was released and even processed to  XXXX   XXXX . The whole reason we called right away was to catch the processing of the payment before it went through, which we understood was successful on   XXXX   XXXX
I had a checking and savings with US Bank. They sent the accounts which were offering a settlement. The accounts were sent back to the bank. When I tried to call and settle they refused the honor the settlements amounts because that was a third party and said I had to pay in full and did not offer me a type of settlement. One rep said that had to be done locally. I contacted the branch manager and CEO of the company and have not received any response back.
I have been receiving phone calls at work on my cell phone and somehow they call my parents home phone too. It is an automated machine that leaves messages that they are from the mediation department and that I need to " call them immediately to receive the proper documentations ''. They have threatened to garnish my wages and they supposedly verified my wages with someone at my job. They have refused to provide me with written documentation of whatever it is they are trying to collect on. I 've asked them numerous times to not contact me at any number they have of mine. My parents are furious at the phone calls they receive at home. They call me from different phone numbers as well. They call and hang up once I ask for their company name. They can not provide me with any details but insist that I pay them for something I do not owe! They are very rude and obnoxious. I have mentioned to them numerous times that I have filed for BK and they laugh and tell me I 'm full of XXXX! They refuse to disclose any pertinent information yet they insist on me paying them an amount so that they can send me the documents they have. I do n't know what they are talking about and I need them to stop harassing me at work, on my cell phone and most of all my parents home! They work with mediation department and they will be sending papers over to begin wage garnishments and it would be more than XXXX % of my checks! They mention payday loans from a company I have never dealt with before and that company is another debt collection agency! Yet they tell me its a cash advance. They continuously run my credit report without my consent as I get alerts when my credit report is ran. They also mentioned that a police officer would should up to arrest me if I did n't accept the paperwork being file. " Would you be willing to risk it all and be humiliated at your job? '' I want them out of my life! They mentioned if I have received any certified mail and I responded to them that if I did they would have return receipts. They have a physical address but those I do business with have my mailing address. I never received any documents from these people.
I have disputed the late payments report on XXXX XXXX XXXX The Credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Account # ( 7 total ) Sent via XXXX  # To whom it may concern : I recently disputed with all three ( 3 ) credit  reporting agencies the accuracy of reporting on this account, and the results came back either " verified '' or " updated ''. There are several inaccuracies across all three credit reporting agencies. 

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this Notice of Direct dispute includes : Fedloan Servicing as shown on my Credit Reports ( attached ), is showing incorrect information. 

Basis for dispute : 1. You verified Recent Balance as " Not Reported '' 2. You verified High Balance as " Not Reported '' 3. You verified account status as " Transferred, closed '' 4. Date of Status hasn't been updated since XX/XX/XXXX 5. Actual Payment Amount is {$0.00} on XXXX  6. XXXX XXXX XXXX {$0.00} on XXXX 7. Date of Last Payment is incorrect on XXXX 8. Account Status on XXXX is " Over 120 Days Past Due '' Supporting evidence : Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4, you are required to review the information that has been provided to you to complete your investigation of this Direct Dispute within 30-days of this notice. I demand a written response from the competent authority in your organization no later than XX/XX/XXXX to my address of records. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

Enclosures : XXXX  dispute - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
My credit report company refuses to get rid of the dispute on my credit. I told them im not disputing my car and i wrote to XXXX exquifax and XXXX and requested that they take it off. XXXX also telling them to take it off as well. They told me they wont re investigate and that information is correct and that they wo n't take it off my credit. I sent them letter and told them countless time to remove it. The person im dealing with has pulled my report. Several times and my score has dropped alot and i have a baby comming and i ca n't stay in this condition. I live in a hotel room paying XXXX a week and i 'm feeling really fustrated right now
I have been having constant problems wit h Nation Star  mortgage for the past year but most recently when their " dedicated loan  specialist  '',  XXXX   XXXX  put me on a repayment plan beginning in  XXXX  of  XXXX . This repayment plan was supposed to end in  XXXX  of  XXXX . The payments were scheduled for {$1600.00} each month. The first month of  XXXX   XXXX , I made a payment for more than the asked amount for {$2200.00}, then I fulfilled  XXXX  through  XXXX  for the asked amounts of {$1600.00}. The payments were all made on time and the repayment plan was fulfilled. I was told by  XXXX  on  XXXX   XXXX ,  XXXX  when I made the last payment that my credit report would show current for the month of  XXXX  and moving forward I would have scheduled payments of {$2100.00}. Now  XXXX   XXXX  is stating the repayment plan was set up incorrectly which is no reflection of me. This is  all Nation Stars fault and error. I find it hard to believe that after five months of payments that I fulfilled, they are no w finding an error! This should have been found on the very beginning. They are now stating I owe so much more money and they need to fix their error, whether the bank takes care of it or  XXXX   XXXX . The money should be payed through the bank because it is their major error. I want to be shown current a s Nation Star stated  and I want their monetary error fixed through them.
Attached you will find pdf copies of 3 loan disclosures : 1. Issued on XX/XX/XXXX ( Loan Estimate Redisclosure Package ) It states my loan amount as XXXX and Interest Rate of 4.25 % Under projected payment, it listed my mortgage insurance from Year 1-7 as $ XXXX/Month and Estimated total Monthly Payment as XXXX 2. The next disclosure I got was on XX/XX/XXXX ( Initial Closing Disclosure ) It states my loan amount as XXXX and Interest Rate of 4.25 % Under projected payment, it listed my mortgage insurance from Year 1-7 as $  XXXX/Month and Estimated total Monthly Payment as XXXX Between XX/XX/XXXX and XX/XX/XXXX, I did not receive any other update on my loan estimates My closing was on XX/XX/XXXX and I was being told 6 days before the closing that my mortgage payment has increased by XXXX $ /month I escalated the issue to the loan officer and they informed me that it was a mistake on their part. I lodged a formal complaint about why I am informed of this change 6 days before the closing date and this feels like a being held hostage and leaving me no option but to comply and pay this extra amount for the next 7 years. Over a period of 7 years, this is an extra {$7000.00} that I am being penalized for 3. 

I lodged a formal complaint and then 3. On XX/XX/XXXX I received another disclosure which made the mortgage insurance again XXXX. I assumed that they have corrected the issue and so I went for the closure At the title company, there was no representative from the bank and the title company documents showed the mortgage insurance back to XXXX/month. At that time the only option I had was to either not sign the documents and lose the house ( at this time I had already given notice to my apartment company that I would be vacating my apartment by XX/XX/XXXX, so not getting the house would have put me on the streets ) All of this experience left a really bad experience about Suntrust in particular and banking in general. As per the fair lending act, the lender should disclose all payments correctly and not throw any surprises at the 11th hour. On top of that when they admitted a mistake they tried to hide it by sending me a 3rd disclosure informing everything has been corrected. Now someone can say XXXX $ is only 2.67 % of the monthly payment and I can always pay another 10 % in principal and stop the mortgage payment. To that I would like to counter where do we draw the line and stick to the principles of it?
Toyota Financial Services for years did not report this loan for my 2012 XXXX to any of the credit agencies. It took the CFPB, XXXX and a certified letter to the office of the president of TFS to fix. Finally, the item got reported and all the payment history but did not have an impact on the score as that's not the way credit aging works. Check CFPB reports and notes on the account. 

The issue I'm faced with at the moment. I just setup bill payment on the account. The information was off by 1 digit on the account number. I re-submitted my payment via my bank 's bill payment system. The payment was accepted and posted to my Toyota account however 2 days after the due date. Now I've been marked with a 30-day late payment that shouldn't have occurred.
On XX/XX/2018 my attorney submitted documents to Homepoint Financial to be reviewed for mortgage assistance regarding the foreclosure on my home. On XX/XX/2018 they called to follow up with the documents and informed by a representative on behalf of Homepoint that the file was in active review. Again on XX/XX/2018 they were advised the file is still in review and once again on XX/XX/2018 they were told the file is still in active review however the sale date for XX/XX/2018 was still active. When they called Homepoint Financial today, they were informed by the representative that the review was closed back on XX/XX/2018 due to 2 items pending. They stated they called me and and sent me a letter which is FALSE. I never once received a phone call from Homepoint or any letters regarding missing documents to this day. I have never received any communication from Homepoint regarding a point of contact assigned to my file and nor has anyone even spoken to one until today. The representative even said the wrong phone number for my attorneys office who they should be calling but did not because of errors their employees made. So now due to the lack of professionalism and lack of attention to detail, my home is being foreclosed on and I am forced to find another option. Homepoint Financial had 3 opportunities to inform my attorney or myself that documents were needed and failed each time and now 24 hours before my sale date they acknowledge their mistakes with no remorse or alternatives to fixing the problem on their end. All of my rights have been violated and not to mention a Notice of Trustee sale was placed WHILE I was in active review according to the 3 representatives who stated it was in review which is a form of dual tracking.