WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a Citi checking account at the beginning of XX/XX/2018 using a coupon code provided. The terms were {$500.00} bonus cash after depositing {$15000.00} within 30 days and maintaining the balance for 3 months. I never received the bonus cash - its been more than 3 months. I reached out to Citi multiple times, keep getting shuffled around to different people, in most cases the call disconnects after a while.
Docket # XXXX XXXX XXXX XXXX XXXX. as Trustee on Behalf of The XXXX XXXX Trust Fund C/O Select Portfolio Servicing , Inc. vs. XXXX, XXXX XXXX On XX/XX/2018, Appeared in court with Plantiff 's counsel XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone Number ( XXXX ) XXXX Agreement to vacate property by XXXX and would receive a check for {$12000.00}. To date no payment received and I am getting the run around trying to speak with anyone that has a clue what is going on at SPS?
Sears/CBNA is reported an adversed information on my account, saying it was 30 days delinquent XXXX XXXX XXXX XXXX when it should not have been. Sears sent out a statement to me some time in XXXX XXXX, but the mail was undelivered. I never received my statement and when I finally received a call from Sears, I made a payment right away. I have never been late and Sears have records of the mail being undelivered. I called twice to Sears to dispute this, but they say I have to dispute it with the Credit Bureaus, which I have. The Credit Bureaus did an investigation and it is still showing as an adverse account ( my ONLY XXXX with a negative mark! ). I am very distressed at the damage this is effecting my good credit standing. Because of this XXXX mistake on my credit report, I have been wrongfully denied credit recently for a refinance on my home, which was highly embarrassing.
XXXX XXXX, XXXX Summary of Complaint In late XXXX, Wells Fargo triggered a Short Sale of our property! This happened as a result of our investigation and then pursuing a Home Loan Modification option with XXXX CA. Our application was declined. 
We pursued a similar investigation with XXXX XXXX as it was highly recommend to us as a solid local resource. The contact at XXXX XXXX was extremely helpful and supportive and we are disappointed that we were not granted a home loan modification by Wells Fargo. When mortgage rates dropped in XXXX, they would not allow us to replace and ARM loan with a fix rate mortgage. 
Unfortunately as a result of this pursuit, it has become necessary to repetitiously pursue the removal of sets ups by XXXX XXXX as short sale status presumptive Escrow accounts. We have made it perfectly clear that we do not wish them to handle home insurance and property tax payments that we continue to pay directly without issue. As a result of their forced payments, they have started billing us a monthly mortgage payment amount of {$4100.00} instead of the recently increased $ {$2600.00} since XXXX, XXXX. 
We have adopted a pattern of conference calls when we reach them so we at least can take notes and ensure more ears and eyes based on our growing mistrust of Wells Fargo. They overpaid our home insurance and this created confusion regarding our long standing account with XXXX XXXX as it presented a credit in that caught our attention in early XXXX! My husband has pursued vigorous follow up with Wells Fargo constantly communicating our continued concerns. In particular, without our agreement, they made proactive payments to our home insurance carrier contact at XXXX XXXX as well as property tax payments to XXXX XXXX of XXXX XXXX Tax Collector. As it turns out, XXXX XXXX accounting clerks promptly returned Wells Fargo 's proactive overpayment to them as soon as possible. This spared us what could have been more loss of our productive time to handle yet another on-going pursuit to cease their overt tactics. It may be needless to state that this has been very disruptive and unsettling condition that has dragged on over months. It would be remiss of us not to file a complaint with your Consumer Financial Protection Bureau as our instincts tell us we are likely not alone it this and need assistance. 
We can provide back-up documents with a time line related to our many follow up phone calls and the verbal responses that we were provided by Wells Fargo and others. 
Yours Sincerely,
I went on the XXXX XXXX credit card website after reviewing my bank account for the last two months. There was no payment made to this company. I reviewed my email account and I checked my mail to see if there were any statements from the past few months. There was nothing. In addition, I have not received any phone calls from " XXXX XXXX Credit Card '' advising to call them. I then review my credit bureau. To my dismay and shock, I was reported delinquent by this company. I have XXXX other XXXX XXXX XXXX. I have ones that send email statements and I have ones that send physical statements. I called XXXX XXXX last night as asked to speak to a manager. I was transferred to an escalations representative. He obviously was having a bad day or he just was n't interested in talking. He was very defensive in his tone and when I explained that I had n't received statements or calls, his response to me was that the statements are courtesy and are not needed to make the payment. For me, they are a reminder that the payment is due - as it is for most consumers. He said that I enrolled in the electronic statements and was advised again today I was since XXXX 2015. I have n't received them. I get confirmation emails when I make my payments, but not the actual statements. When I asked why I have n't received a phone call he said that it was n't necessary to call the customer when they are delinquent. I used to work as a collections rep, that is incorrect - especially if they are more than 2 moonths past due. I called and spoke to XXXX, another escalations rep even though I asked to speak to a supervisor, reviewed my information and advised everything is correct. She also stated that phone calls were placed. I asked for the phone number they would be calling from. I also advised that I have n't received calls or voicemails. I find it interesting that of all the accounts I have with XXXX Bank, this is the only XXXX I amhaving issues with.
I have to just put it how it is the SWC or whatever the collection agency is for XXXX is bold faced lying. There could n't be more of a lie told. First and foremost, they began claiming it was a debt from XXXX in Massachusetts. Now I see they are claiming it is a debt from XXXX in XXXX. I have new for you, 1. I did not even reside in XXXX at that time, and 2. The cable was not in my name. Therefore, you are lying. If you are not, please send me documentation as proof that I had service in my name in XXXX at that time. I guarantee you can not. When I spoke to you fraudsters, you stated it was because in XXXX you did not receive some receipt for equipment that was still at the location. You are seriously just flat out lying. You have nothing to back up your allegations. How can I owe on something I never had. The bottom line is I do not owe you anything! And I am not paying you a dime. What you need to do is send me via certified mail with a return receipt a copy of your phony documents. I know whomever is responsible for stealing my identity is attempting to keep fraudulent accounts on my credit report. I have not utilized credit since XXXX. You claim this is in XXXX in XXXX. Guess what? I did not live there. Get your facts straight before you lie. I can not believe you first attempted to claim it was in Massachusetts in XXXX now it was allegedly in XXXX. Obviously, you do not know where I was residing and you obviously do not know that the service was not in my name. STOP LYING! I can press charges for that. I will file a police report and I will provide your bogus statement with proof of my whereabouts and the fact that I did not have service. You are just some scumbag debt collector trying to get money. Not this time!
XX/XX/XXXX a letter was sent requesting amount stated that was owed as well as assurance that payment would be accepted in exchange for the original instrument of indebtness in its original form. 

XX/XX/XXXX received letter from American Education Services/ XXXX also dated for same date with a " payoff amount '', after receiving letter then sent a letter readdressing request for acceptance of full payment in exchange for original instrument of indebtness in its original form XX/XX/XXXX letter was dated by American Education Services/ XXXX with loan amounts, dispursement dates, statuses, interest amounts, delinquency days, also ignoring request for original instrument of indebtness in its original form XX/XX/XXXX sent letter to XXXX stating if they were unable to comply matters are legally and financially settled XX/XX/XXXX American Education Services/ XXXX sent a MPN for Bank of America/ XXXX with the date of XX/XX/XXXX and a typed name on the signature line, on the front of one page with the back dated for XX/XX/XXXX for XXXX XXXX, the following pages have no dates, signatures, account numbers or page numbers XX/XX/XXXX a final letter was sent to American Education Services/ XXXX asking for an original letter of indebtness between the parties listed on the credit report. 

XX/XX/XXXX letter was dated from American Education Services/XXXX with loan disbursement dates, amounts, interest rates, repayment terms, and installment amounts also ignoring the request made in the four letters
Purchased a home in XXXX was given a subprime loan ( I was not informed that it was a sub prime loan. ) The builder representative introduced us to the lender broker ( targeted ). In late XXXX the original lender went out of business and as a subsidiary of XXXX XXXX it became part of XXXX XXXX XXXX during the merger. 
In XXXX Bank of a XXXX began foreclosure action. I continued paying monthly payment while trying to dispute the foreclosure activity ( the balances on the paperwork were incorrect and did not match my payments XXXX. In XXXX of XXXX, XXXX XXXX XXXX refused to accept any more payments from us. However, XXXX XXXX XXXX suggested we request a modification. I was in the the modification process from XXXX to XXXX and never given a modification. During this time my husband sought to file bankruptcy in XXXX. While is the bankruptcy attorney 's office, the foreclosing attorney 's office was called on speaker phone in our presence. The clerk stated that there would not be a foreclosure because there was missing paperwork. In XXXX XXXX XXXX XXXX sold the loan to XXXX and I attempted to request a modification and XXXX would not allow me to apply. 
In XXXX XXXX, I contacted TN XXXX office hoping to get some help. I provided basic modification paperwork to the assistant attorney general, and he contacted the bank. I also informed him that my pending foreclosure was not properly documented and my cases resembles the cases presented National Mortgage Settlement, he stated since my home did not foreclose it was not member to the settlement. I did not get a modifcation with XXXX and they moved forward with foreclosure. The prevent the foreclosure I submit a legal action in XXXX XXXX XXXX XXXX ) which was dismissed due to I did not present a claim or relief properly. The merits of my cases were not reviewed. However I did learn of a fraudulent assignment on my note were there are XXXX different dates, robo-signed, and the perjury line is crossed out by the notary. 
Currently, I am in appeal of a XXXX, which the issuers do not have standing due to the fraudulent assignment. I am concerned that the issue of the fraudulent assignment and not mention the missing assignments will not be heard in court. The bank attorneys are doing everything in their power to overlook the bank failures. As a consumer, I have found little to no assistance with my case. In other states such as MA and MI the XXXX leaders have be much more proactive. 
The principle, the broken chain of title is illegal and must be addressed. The banks have been allowed to perform injustices to consumers and as a consumer I have been placed at the mercy of the bank to do the right thing. As a consumer I have not been given any recourse to correct or resolve the injustices performed by the banks with regard to my mortgage.
Have been going back and forth with Equifax for many months ... still have requests about removal of items ... Equifax keeps changing the date of report on items that I am trying to get removed. Equifax states " positive items '' stay on report for 10 years from date of report ''. This is wrong. Every time Equifax sends me an updated report that changes the time frame of removing an item from my credit report. 

QUESTION : HOW LONG DOES A NEGATIVE ITEM REMAIN ON MY CREDIT REPORT-AND FROM WHAT DATE " DATE OPENED '' OR " DATE OF LAST ACTIVITY '' QUESTION : HOW LONG DOES A POSITIVE ITEM REMAIN ON MY CREDIT REPORT AND FROM WHAT DATE- '' DATE OPENED '' OR DATE OF LAST ACTIVITY '' MY UNDERSTANDING IS THAT NEGATIVE ITEMS WILL BE REMOVED ( OR CHANGED TO A POSITIVE STATUS '' 7 YEARS FROM DATE OPENED. 
*XXXX-Date Opened XX/XX/XXXX-over 7 years old-this should go to a positive status now. CORRECT ASAP. 
For the 4th time, I am requesting the items be removed : *XXXX : I NEVER USED THIS ACCOUNT. CREDIT CARD WAS APPROVED, BUT I DID NOT WANT THIS CREDIT CARD. DATE OPENED XX/XX/XXXX-OLD REMOVE-OVER XXXX YEARS OLD. 
*XXXX-REMOVE-OLD ACCOUNT OPENED XX/XX/XXXX-10 YEARS OLD REMOVE EQUIFAX STATES ITEMS THAT HAVE BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED TEN YEARS FROMTHE REPORT DATE. YET THE REPORT DATES CHANGE TO WHEN THEY SEND ME ANOTHER UPDATED REPORT. THESE ITEMS NEED TO BE REMOVED NOW AS THE DATE OF REPORT EQUIFAX SENDS KEEP CHANGING - AND THEN ITEMS KEEP STAYING ON MY CREDIT REPORT LONGER THAN NECESSARY. 
remove these items now.
I 've mailed a certified letter to Kay Jewelers dated XXXX XXXX, 2016 and XXXX XXXX, 2016 regarding an inaccuracy on my credit reports, regarding account number XXXX. Kay Jewelers has FAILED to reply in a timely manner to my initial letter dated XXXX XXXX, 2016 and has also FAILED to furnish to the credit bureaus a " notice of dispute '' on my account within 30 days. Kay Jewelers has not only VIOLATED FEDERAL LAW, but has also FAILED to provide me with a copy of any viable evidence, bearing my signature for this account. Kay Jewelers is liable for willful non-compliance, as per FDCPA and FCRA.
I have been trying for more than 6 month that my mortgage company which is XXXX XXXX XXXX report my payments to the 3 agency credit bureau but they have been refusing to do it. I file for bankruptcy over 7 years ago and I have sent them a confirmation letter written for me and talked to my attorney and he said the confirmation was include when I filed. so in XX/XX/XXXXthey asked me for a bankruptcy discharge, I sent it to them, then a confirmation letter in XXXX and another documents and calling and ask them many times to report my payments so I can improve my credit score and get better interest when I apply for any kind of loan ... I don't know what else to do ... please help with this Thank you
I keep getting multiple phone calls from XXXX stating that it is PNC Bank saying that I have been preapproved for a loan. I have tried to contact someone to tell them to stop calling, but when I call from my office phone I am placed on hold and then it hangs up. This is stressing me out, because I know it is not PNC Bank.
I have tried to dispute an account with Discover bank in regards to charge offs but without success.This company has continued to violate the California Credit reporting act by reporting an account that was never charged off, it was merely settled after falling late a few months.
I enrolled in XXXX university. I was assured by several XXXX XXXX and XXXX Bank that the debt I was acquiring was standard and would be easily repaid upon graduation. However, at graduation I found myself with more than {$200000.00} in private loans with interest rates around 8 % and unable to find a job for more than XXXX months. I am now drowning in monthly payments of about XXXX and they have been very unhelpful and reluctant to help lower my monthly payments. By the time I finish paying the loans off I will have paid them more than {$450000.00}. After paying my loans, I have little over {$50.00} left and rely solely on family to provide simple things like food and shelter. The government needs to intervene to defend the private borrowers from this type of abuse, this lending is immoral and unethical. How are you promoting education by setting students up to live a lifetime of debt and burden? Please help
I have repeatedly disputed this account on my credit report as it has bad information all over it being reported. The account is for XXXX XXXX. 
Experian does not let me dispute it any longer unless XXXX upload documentation, which I have. The last dispute I made with the information was on XX/XX/XXXX, they did NOTHING accurate on it, Im not sure they even looked into as it came back UPDATED XX/XX/XXXX ( less than 1 day ). 
They changed the original balance from XXXX to a XXXX original balance. That's not what I was disputing, nor is that ACCURATE at all. Where did they even come up with that information to feel that it should be changed? Did this really get investigated, or did they just move an amount and call it good? 
they took off 1 late payment, when I disputed all late payments as there was 0 late payments to this account. It is now paid off and closed, but I still want MY CREDIT report to reflect ACCURATELY and Experian is not taking that serious. Lousy investigation.
This is regarding maintenance fees for our timeshare. and Advanced Financial out of XXXX, CA. We were on auto payment and with no notice the company took us off and sent us to collection, XXXX XXXX XXXX in XXXX, CA. We have XXXX timeshares and they were both on auto deduct and the payments were about {$7.00} different from one another so we did not notice that they had stopped. We received 2 calls and collections was NEVER mentioned. They sent us to XXXX XXXX credit who is charging us more than 50 % in fees plus interest of the total amount due! How is this legal. So many industries are regulated and I find it hard to believe that they are n't. This is like loan shark fees I can imagine. We never signed anything agreeing to these exorbitant fees. We owe the money and would like to pay it but Advanced Financial wont take any payments and in the meantime they are setting us up to fail. We believe these are UDAAP violations and that they want our time share back and are forcing our hand. The more time that passes the more the money adds up that we owe them. We were on a monthly since that is easier than having to come up with a lump sum. Looks like they are getting their way so far.
I HAVE SUBMITTED THE EXPLANATION OF BENEFITS TO XXXX XXXX XXXX SHOWING THAT THERE IS XXXX BALANCE ON XXXX XXXX BILLS. THE PART THAT THEY KEEP BILLING ME FOR IS A DISCOUNT WHICH ERASES OVER NEGOTIATED FEES OF THE HOSPITAL BILL. 
I HAVE DISPUTED THIS SERVAL TIMES AND THEY HAVE NOT MADE THE CORRECTIONS ON MY CREDIT REPORT. THE DEBT COLLECTIONS NEED TO BE REMOVED FROM ALL CREDIT REPORTS XXXX, EXPERIAN, XXXX 
I AM GOING TO ATTACH ALL EOB FROM XXXX WHEN I HAD XXXX XXXX XXXX AND I AM GONG TO ATTACH EOB FROM MY INSURANCE XXXX FOR XXXX FOR XXXX XXXX. 
I JUST RECEIVED A NEW CREDIT REPORT FROM XXXX XXXX AND EXPERIAN AND THIS IS THE FIRST NEGATIVE INFORMATION THAT APPEARS ON MY REPORTS THAT HAS DECREASED MY XXXX XXXX BY SEVERAL NUMBERS DOWN. I HAVE DISPUTED THIS MORE THAN 30 DAYS AGO AND THEY CONTINUE TO POST IT. THIS IS AGAINST THE LAW. 
I AM ATTEMPTING TO REFINANCE AND THIS IS HINDERING ME FROM MOVING FORWARD WITH XXXX CREDIT AFTER PAYING IN GOOD FAITH TO REPAIR MY CREDIT FOR THE PAST SEVERAL MONTHS. PLEASE ONCE AND FOR ALL REMOVE THE DEBT COLLECTIONS AS I DO NOT OWE XXXX XXXX XXXX ANY MONEY AND I NEVER HAD A CONTRACT WITH THEM TO PAY THEM MONEY THAT I DO NOT OWE.
EQUIFAX FAILED TO REMOVE XXXX XXXX , XXXX ( XXXX XXXX OF BETTER OR SCREENING REPORTS. ( SEE ATTACHED )
I refinanced my mortgage held by Bank of America, with another lender. B of A loan was paid off XXXX/XXXX/15. On XXXX/XXXX/15, knowing the loan was going to be paid off, I removed my authorization for automatic payments on the B of A mortgage. On XXXX/XXXX/15, they made an unauthorized withdrawl from my account for the already paid off loan. They told me it would be refunded ... in 10 days, along with my escrow balance. How nice of them, to steal from me and use my money for 10 days before returning it! THIS IS FRAUD AND SHOULD BE PUNISHABLE AS SUCH! They had no problem closing my account immediately, as I was no longer able to access my B of A mortgage account online as of XXXX, so I could not verify what other charges they put through. I 'll have to wait to see my final statement, in 10 days for that. Also, in the refi process, I was charged a {$30.00} fee for an 'expedited ' payoff balance 'expedited ' meaning via email ... if they paid postage to mail it, it would be free! Just more XXXX that should be regulated. I researched at the time, and their website said the payoff could be updated at no addional charge, and that they could not give a payoff balance to anyone without my approval ( well, this happened XXXX )!. The payoff balance apparently expired on XXXX, and I was charged an additional {$30.00} for the new lender to get another one. I called and was told there is a charge for each payoff balance processed. cost me {$60.00} for them to say what is owed, and then, they take an additional {$1600.00} of my money anyway, so the actual payoff total was meaningless!!! I am requesting a refund of {$60.00} pay off service charges for their fraud, and hope there is legal action that can be taken to prevent similar situations in the future. It wo n't happen to me, as I will never do business with Bank of America again.
The house shows a volunteer repo i never agreed or received anything that the home was being foreclosed. I had a buyer at the time went to look at the home and had locks on the doors. Wired the full pay off balance from my back account and still shows a repo on my credit report when it should be a paid account. I am attaching files of where the money was paid by me.
After I filed my last CFPB complaint my servicer, Nationstar, finally informed me of the reason they were not accepting my XXXX previous submittals of profit and loss documents which was delaying my loan modification review. I sent in the new documments for review on XX/XX/XXXX but Nationstar will not verify they have received my documents. While this review process was taking place over the past year Nationstar and their Law Firm of XXXX, XXXX, XXXX XXXX have set XXXX sell dates on my property on two separate occasions. This has caused me to hire a lawyer to get the sale narrowly avoided on both occasions while my review is taking place. Furthermore my property was for sale at the time and all interested buyers pulled out once they saw the property may go to auction. It is my understanding properties under review are not supposed to have to fight foreclosure at the same time but this has happened twice now. 

Now Nationstar states I must wait for a call from the law firm XXXX to be informed of any more delays and or if they have even received my updated documents sent in on XX/XX/XXXX. I have been told this before but never received a call from this law firm just foreclosure actions. Bottom line is I am doing everything I can to file proper and timely documents for a loan modification review and in reality my documents keep expiring with Nationstar 's lack of communication and Nationstar keeps filing for foreclsure on my property with the XXXX County court system which is in direct violation of their own stated policy of not foreclosing on properties under review.
Mailed in police report to equifax and all other supporting documents and they did not update my credit report. And my credit score and report has not changed