WillisBack/dataset-financial-user-claim huggingface dataset:
Im writing you because Citimortgage continues to violate CFPB rules do that were set forth to protect homeowners. I am a homeowner in XXXX, OR. 

I have been trying to modify my mortgage since XXXX. XXXX XXXX. I have sent thousands of documents only to have them lost or illegible and then abruptly have the file closed. 

Yesterday they violated the CFPB dual tracking rules. I have attached documentation below. 

I always notify their CEO, XXXX XXXX, of the violations. They have already been fined $ XXXX for these violations but that does not dissuade them from continued violations. Their CEO is knowledgeable and culpable. 

Again, I have been trying to modify the loan since XXXX and they continue to tack on fees and interest on my mortgage and continually drag me through their mess. This has caused much stress in my life and has cost me hundreds of thousands of dollars and has ruined my credit. 


I am writing to report yet another violation of the CFPB rules on dual tracking by Citimortgage. Attached are the necessary documents outlining the violation. 
Posted XXXX XXXX, XXXX at XXXX. 




Screenshot from email sent by Citimortgage to XXXX XXXX on XXXX/XXXX/XXXX Sincerely, XXXX XXXX XXXX, OR XXXX
I have a collection placed on my experian credit monitoring by : XXXX. I sent a letter to the collection agency with a request for full debt validation on XXXX XXXX, XXXX. They received my request on XXXX/XXXX/XXXX ( I have all receipts sent by registered mail ). They sent back the total charges billed provider. However that is not a validation of the debt as described with the Fair Debt Collection Practices Act. There is no description of services rendered, explanation of how the alleged amount was calculated including interest, no copy of any signed agreement between me and the billing agency, nor was a complete payment history present with the original creditor. I sent out another letter again, requesting for validation of the debt, they had thirty days to respond according to the FAIR CREDIT REPORTING ACT. They received the second request on XXXX/XXXX/XXXX and never responded. I sent the receipts and a letter to experian that the thirty days passed and I received no validation of my debt and I had asked experian to remove this collection immediately. Experian however did not delete it from my credit and wrote that it is under investigation for 45 days That was on XXXX XXXX, XXXX, where two months have passed from that date. This is not a valid collection and it needs to be removed of my credit, there are many violations in place here.
With XXXX Exxon Mobil / CITI card. I have never paid this account late. It has always been on auto pay. XX/XX/XXXX something happened in their system and it made a auto payment from a closed account. If you look at the statement for XX/XX/XXXX it has the date of the payment as XX/XX/XXXX. From the file named " exxon payment '' you can clearly see the date of the payment and also it was from a different checking account than any other recent payment. They even credited back all charges and fees. I tried several attempts to get this corrected and they say they will but never follow thru.
I was told that my loans were in the Public Service Loan Forgiveness program. I was told by an agent named XXXX XXXX at Great Lakes on XX/XX/2011 that " If you were quoted a standard payment plan for 30 years, I can use it and after 10 years the balance is forgiven ''. This was wrong information. I paid {$760.00} for 4 years. My account was then switched to XXXX and I found out that my payments were not considered part of the PSLF program and that the loans were ever qualified for it. I then had my loans switched to XXXX XXXX and am now in the correct payment and program. I have asked to be credited the time paid towards by 120 payments over 10 years but have not been able to do so. Great lakes gave intentionally gave me bad information and is not held accountable. I should be done with 6 years of payments but now still have 8 more to go.
XXXX has a collection on my file from XX/XX/2012. The account number is XXXX for {$1900.00}. I disputed this item and the bureaus left it on my file. I have now contacted XXXX FIVE TIMES. I gave them the account number from the credit bureau file and all of my personal information. They can not find this account in their system. 

How is it possible that the bureau sends a dispute to XXXX and XXXX sends back verification OF that dispute and it remains when XXXX can not locate it with their account number or my social security number? Or do the bureaus even send this dispute to XXXX? Perhaps they just leave all XXXX items on the file without the dispute process? 

How is it that a consumer can be held hostage to a collection account that they are unable to pay? Is this like a phantom parking ticket? Or perhaps a loan sharking loan where there is no record of the loan? 

CFPB should publish this. How often are consumers ripped of their rights like this?
XXXX XXXX XXXX is harassing me for a debt XXXX dont owe. The credit bureau know my address and the address that security credit services and XXXX has is not mines. These people and the credit bureau are preforming illegal acts against me. I want all this information removed from my credit report immediately. They say I owe XXXX. Ive been ill for the past 3 years. I just been active for 8 months now. Theres no way I could have this account. I pay my bills. These people are fraud. I wrote the company to stop harrasing me. They are refusing and keep reporting false information on my credit report.
I have XXXX loans through Navient as my private loan provider.. I have paid all of my bills on time. XX/XX/2016 my interest rate was 7.37 and 8.62. Now my interest rate is 8.875 and 7.625. They are variable interest rates. I do n't think it 's right for them to charge me more interest for paying my bills on time. I
I submitted a dispute XX/XX/XXXX at XXXX. At XXXX same day, I received an email that my dispute has been updated. How can there be an investigation that quick? Most companies arent even open until best case scenario XXXX. There are errors on my credit report that should be removed.
The following inquiries are not mines, and my request are for them to be removed, I understand what inquiries are, and understand me when I say I did not apply for neither, .. XXXX/ XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX - XXXX XXXX, XXXX ( XX/XX/XXXX )
I combined all of my loans and had mistakenly thought my private was included. Well, I have been paying $ XXXX/month to " Navient '' ( or supposedly their collections department ) for my loans for 2 years but, on the Navient website when I log in it says that I I am 20 monthly payments past due. When I call to ask they are NO help and tell me I have to pay by loans in FULL to get it from negatively reporting on my credit report. HELP!
Capital One Bank, despite several attempts by myself to formally place a change of address with them, has continued to issue new bank cards via mail to an old address no longer my place of residence. Despite my personally appearing at my local branch to change my address noted on my personal account, Capital One Bank recently sent via mail a new chip card for my personal checking account. My local branch manager states that this error is due to Capital One Bank card processing department. Either way, Capital One card processing and Capital One has jeopardized my personal financial identity security by releasing a new bank card to a residence I longer reside at. Their incompetence to update their data base with my new current address, which has been updated on the actual account has put me at risk for identity theft.
I requested verification of collections/ negative accounts on my credit report and only received what looks like a printed statement. They did not properly validate the collections/negative accounts on my credit report. I requested removal if the accounts that could not be validated. They remain on my credit report.
Subject : XXXX XXXX. 

I deposited a check for {$41000.00} in XXXX XXXX on Friday XX/XX/XXXX. Then I wrote a business check for {$35000.00} to my Chase Bank business account, ending in -- -- XXXX. XXXX XXXX check cleared on XX/XX/XXXX. Chase is still holding this check. 

1. I have deposited over {$100000.00} in Chase in XX/XX/XXXX. 
XXXX check was cleared to Chase on XX/XX/XXXX. I have proof from XXXX XXXX. 
2. Today is Friday XX/XX/XXXX the 4th day the cleared check is still not available to me from Chase Bank.

3. Chase said that yes the check cleared but funds have not been released to me yet for my use.

4. Has Chase been receiving interest on this check from overnight deposits with the Federal Reserve? 

Banks have a lot of reasons and loop holes and a lot of lawyers to tell me that the can hold my money as long as they can. What 's my recourse ... ... .. 

XXXX
Me and my son opened a student bank acc. at Huntington bank. they started putting a {$4.00} a month fee. When my son asked why they said he threatened them and closed his acc I called and asked why they hung up on me ... .THEN they closed my business acc that I have had for over 30 years. and they are trying to stick me with credit card processing and terminal fees. there is much more ( too much to put in print ) HELP XXXX XXXX XXXX XXXX ( XXXX ) or XXXXXXXXXXXX P.S. the highest person I could get to is XXXX XXXX. She is vice president in charge of consumer affairs .well that 's what she said.
I was providing information to my loss mitigation agent ( XXXX XXXX ) in an effort to prevent foreclosure on my home. XXXX had received my information and informed me that she would submit the information for approval. While I was waiting on XXXX to advise me Fay continued with foreclosure. When I contacted XXXX she appeared suprised and said that it should have been on hold. XXXX later said that there was nothing she could do about it now.
I have asked Merchants & Professional to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
On XX/XX/XXXXcalled into Vanderbilt to see why they refused to report my account is current and was current in XX/XX/XXXX and still the company has yet to report XX/XX/XXXX its making my credit score go down its unfair and they seem to not care and are very rude I also can provide recordings of the phone Call
I am currently making monthly payments to Credit Acceptance for a car loan, in a duration of 4 months. I purchased the car in XX/XX/XXXX, and made a XXXX dollar down payment, with the vehicle costing a little over XXXX dollars. My monthly payments are XXXX dollars, and I learned that the value of my XXXX Chevrolet Cavalier, was only worth a little over XXXX dollars in XX/XX/XXXX, as a book value. Meaning, that I was overcharged by Credit Acceptance as well as the car dealer. This will result in a legal court case if I am not compensated.
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX TransUnion To whom it may concern this is my final warning before I take legal actions. Ive won a lawsuit against your company in the past for placing incorrect information on my credit report without my consent. 

I am disturbed that you continue to list a dismissed file bankruptcy as confirmed. I am aware that you receive your information from a third party verification system known as a pacer System. This system is sometimes inaccurate because of the limitations of providing a complete social security number. Although it is your policy to keep reporting bankruptcy that is filed dismissed or adjudicated for 10 years, The Fair Credit Reporting Act mentions nothing in section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order for relief. Any case civil or otherwise which is dismissed no longer exists in the eyes of the law and the case file may have never been adjudicated. You have no right to obtain information which the government had deemed non existent. It is only fair that in accordance with section 1681 ( a ) of The Fair Credit Reporting Act you delete this from my credit report and send me an updated copy considering it does not require an investigation i would appreciate your response within two weeks from the date you receive this letter. 

Sincerely XXXX XXXX
They were informed on XX/XX/18 that they were to stop calling me at work. I received several calls after they were told to not call me at work. I have the following confirmed from caller id : XX/XX/XXXX at XXXX XXXX ; XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX ; XX/XX/XXXX at XXXX XXXX.. They were again informed on XX/XX/18 to not call me at work and that the only time I could accept calls were after XXXX XXXX. I received another call on XX/XX/18 at XXXX XXXX.
I contacted Experian credit bureau in writing. In my letter, I requested for Experian to release to me the furnisher who has reported a judgment against me. Prior to contacting Experian, I had contacted the court house listed on my Experian credit report and they could not find or verify anything under my name. I just want Experian to tell me where they are getting this information from so I know what my next step will be to getting this false item removed from my Experian credit report.
I returned my  XXXX  lease in  XXXX   XXXX  and was told by the dealership,  XXXX   XXXX   XXXX  of  XXXX   XXXX , that the disposition fee would be waived because my grand daughter was leasing a car from their dealership in the same transaction.     I received  a bill two weeks after (   XXXX   XXXX  ) leasing the car to pay the disposition fee. I called  XXXX   XXXX  as well as  XXXX   XXXX   XXXX  to dispute this charge and was told by the customer service rep that the fee would be waived. I did not receive another bill, phone call, or other contact from  XXXX  again.     In  XXXX   XXXX  I received a letter from a collections agency that I owed the disposition fee amount. I promptly contacted  XXXX   XXXX  and explained the situation to them. I specifically told them to review their recorded phone call line to confirm that I was told the fee would be waived. The rep said he would and he would have a supervisor call me back. I was never called back.     I have called  XXXX   XXXX  to resolve this account on :  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 / XXXX / XXXX  I never received any response back as I was told I would.The collections agency collecting on behalf of  XXXX   XXXX  is unwilling to check with  XXXX  for the recorded phone call in which I am told the disposition fee would be waived.     Based on the fact that I did not receive a bill from  XXXX  between  XXXX   XXXX   XXXX , and that  XXXX   XXXX  is unwilling to review the recorded line, I strongly believe their billing and collections practices are unethical, illegal, and overall shady. To tell a customer their fee is going to be waived and to never contact them again until sending their account to a collections agency an entire year later points to more concerning issues regarding possible fraud, exploitation, deliberate deceit, and extortion.
I need the Chase to provide me the IP address where someone has pulled hard inquiry with my information.. 
I never authorized anyone to pull hard inquiry and I need further instruction how I can make a claim against Chase and file the lawsuit and also make a police report .. 
This hard inquiry is not authorized by me and I would to clearly get some more info how someone has taken my information.. 
I am willing to make a police report, file the FTC complaint as well
On XXXX XXXX, 2017, I submitted a transfer for {$200.00} to be picked up at a Western Union location. In XXXX, Michigan. I called Western Union to complain about the scam and receive a fraud case number and refund and they would not return the refund because The money was no longer in their possession
I AM THE VICTIM OF IDENITY THEFT AND I HAVE DISPUTED FRAUDULENT ACCOUNTS ON MY EQUIFAX REPORT. THIS BUREAU CONTINUES TO REPORT FRAUDULENT AND INACCURATE INFORMATION ON MY CREDIT REPORT WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FCRA.
I am concerned about the validity and accuracy of the recent investigation done by XXXX  and Experian..I requested for an investigation because the account XXXX XXXX XXXX, XXXX XXXX, XXXX, I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
I have consistently disputed my account status with XXXX AND XXXX AND TRANSUNION, but my issue still have n't been revolved. It is showing that I have missed XXXX payments and that is incorrect as well as my balance is incorrect. I just talked to XXXX on XX/XX/2017 at XXXX central time, and he even stated that was not accurate, but there was nothing he can do. I do n't think that is fair to me because, it is affecting my credit score.
A lady named XXXX XXXX from XXXX Management Services Incorporated left a voice mail this morning regarding a debt and requesting to call her back at XXXX - Ext. XXXX. I quickly knew this called was not intended for me because I do n't have pending debts and I had never heard of XXXX XXXX XXXX XXXX XXXX, an institution she is collecting a debt for. When I called her, I quickly identified myself but from the very moment she answered her phone she was loud, rude, disrespectful and sounded bitter and extremely angry, loudly. I tried to tell that I received a called from her in an attempt to collect a debt. I also tried to tell her that I 've had this phone number for about XXXX weeks and that she probably wanted to contact that previous person that had this number. She did not even spent a second to listen to what I had to say. She kept on going with her harsh and nasty tone of voice. I repeated my phone number twice as per her 'demand ', then I told her my name three times as she 'demanded '. Every time I try to say something else to explain the reason of contacting her back, she would speak over me and not let me talk. At some point during the speedy, one-way conversation, she told me she -had not finished talking yet! -. and kept questioning if I had an account and I said no. Then, she demanded from me to spell out my name. At that point I decided that I did not have to put up with her abusive and condescending attitude and hung up. I called her to clarify who I was and to also request my phone number be removed from the list of debtors. I even have my answering machine stating my name and do n't understand why they still will leave a message to collect a debt I do n't have and never did. This woman crossed the line ; she was insulting and abusive!. By far this the most disgusting person I 've had to deal with in my life. Please, someone make these people stop their abusive behavior.
XXXX XXXX XXXX : XXXX Contact Information ( XXXX ) XXXX XXXX Great Lakes XXXX is double charging me on interest and the total amount of {$8100.00} consolidated loan Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$8100.00} In repayment This loan was consolidated already on XX/XX/XXXX with Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$62000.00} In repayment I have contacted this loan servicer and discussed the issue of them not paying off and ( continuing to charge me interest ) the {$8100.00} that is already included in the {$62000.00} consolidated loan. They explained to me that this was a computer glitch and they would clear it up by XX/XX/XXXX. They are very aware on their system not showing this already paid off consolidated loan. They have left the balance of {$8100.00} on my account with a payment date due on XX/XX/XXXX and this balance is already included with the {$62000.00} loan. They Great Lakes refuse to take off or show that the {$8100.00} loan is paid in full within the {$62000.00} loan. Therefore, this loan servicer is double charging me for the consolidated paid off loan and will not remove or show that this smaller loan is paid in full. They assured me that this issue would cleared up because of their known computer glitch system that affect many of their customers. This loan servicer is also not updating and reporting my account to the credit bureaus correctly. 

I recently took out a another student loan in XX/XX/XXXX U.S. DEPARTMENT OF Stafford Loans EDUCATION ( XXXX ) Balance {$6700.00}. This loan is not what I am making a complaint about it is this loan ( Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$8100.00} In repayment ) In school until XX/XX/XXXX These are the correct balances before the XX/XX/XXXX consolidation. This does not include the new XX/XX/XXXX2018 Stafford loan. 
Overview Balance {$54000.00} Highest Balance {$55000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 7 yrs, 3 mos ) Overview Balance {$8100.00} Highest Balance {$6600.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 6 yrs, 7 mos )
On   XXXX     debt collector called, when I returned the call the I requested written documentation. She stated it had been sent when I informed her I did not have that she told me she does not have to send it out. Spoke to supervisor who told me that since it had not been returned they automatically assume the document has been received. When I requested another copy sent because I have not received it the supervisor informed me they do not have to send another one and that o can go to a branch to pay what is owed. I informed him that I live  XXXX  hours and would like documentation that I will have the ability to show the debt has been paid and he stated they do have to send anything once it 's already been sent.
I have been arguing with Bayview Loan Servicing company since they took over my loan. Most of the issues are regarding payments being recorded to account late. Until now I have been making electronic payments through my checking account. For months they have been adding small fees here and there. The representatives at Bayview I have spoken with have been rude and in most cases unable to accommodate my requests. When I question charges they often times do n't understand the codes are fees. Recently, finally, I was able to receive a detailed statement going back to when they took over the loan. It is so confusing I have no idea what they are charging me. My account has been in good standing all along and this company 's representatives feel they are in the right even when they ca n't explain what they are doing. Most recently I was told fees would be credited if I agreed to sign up for their automatic bill pay 2 months ago. I have yet to see past fees credited. Now I see new unpaid fees. 
Where do I get answers? 
If there is anything you could do to help me find out what I am being charged and what the fees are I would appreciate it. 
Why are they charging all these fees? 
Did I agree to it? Are they within their rights? 
This is the worst lender I have ever dealt with in my life. I feel they are not being transparent. 
Thank You, XXXX XXXX
XX/XX/XXXX XXXX, XXXX, XXXX calls multiiple times a day every day one right after the other