WillisBack/dataset-financial-user-claim huggingface dataset:
After being a loyal XXXX XXXX XXXX and XXXX customer, I recently expanded by loyalty to Citi to only endure a disturbing experience as follows : I had responded to, and was accepted for, a Citi XXXX XXXX offer for XXXX awards points. 
I began using my card while on vacation in XXXX. 
My Citi card was immediately breached and I was the victim of fraud. 
The card had to be closed and a new card had to be issued. 
The new card that was delivered without notification to me and sat in the concierge office for over a week. 
I paid off the breached card in FULL. 
I activated the new card and resumed making charges. 
Citi has denied its commitment to honor the XXXX XXXX XXXX points. 

After we activated the replacement card we called Citi to reconcile the account to determine how many more dollar purchases were remaining to receive the deposit of the XXXX XXXX XXXX points. We were informed by a Citi representative the XXXX would not be honored due to the delay in making our purchases within the timeframe. We were SHOCKED no consideration was offered due to other fraud issue that was not our fault. Any access to our card information was due to insecure Citi systems since the card never left our possession. 

We have been contacting Citi for over 30 days through multiple channels only to be stonewalled and deflected ( voice mails were left with no phone number or contact information ). We finally reached XXXX, a Citi representative, who contacted XXXX XXXX. XXXX indicated they would be willing to issue the XXXX points as promised. XXXX then contacted the Citi department to have the award of our points authorized but then told us it was being denied by Citi. At this point, we were completely frustrated and felt like we had become the victims of a bona fide " bait and switch. '' Due to the delay and inconvenience caused by the fraud issue, I am shocked and disturbed Citi is taking such a hardline approach to this. Because I suffered a breach in security with the fraud issue, I believe anyone would think it reasonable for Citi to make a concession and offer some additional time to make the required purchases. 

ISSUE There is no protection for a consumer to be able to make purchases when fraud has been committed. The delay caused by the card being closed should not penalize the consumer. Citi should make reasonable and fair provisions for the opportunity for purchases to be made. 

THE ASK Citi to reissue the card and honor the award of the XXXX XXXX XXXX points. 

Any help you could provide would be greatly appreciated.
I am filing this complaint against XXXX and TD Bank for the manipulation of credit record and discrimination by denying me service and product. 
On XX/XX/XXXX, I visited XXXX trough my student account and ordered a XXXX XXXX XXXX in trade-in with my current XXXX XXXX. At the checkout, I was prompted to apply for XXXX financing provided by TD Bank. I filed the form and submitted it with all my personal information. I received a congratulation email notifying me that I have {$2200.00} credit line which will be used for the new phone with confirmation # XXXX. 
On XX/XX/XXXX, as I await my new phone, I received an email notifying me that my order was canceled. I contacted the customer service by phone at XXXX to find out what the problem may have been. I received no answer from the agent who asked me to call TD Bank. 
On XX/XX/XXXX, I contacted XXXX again through an online chat. The agent informed me that my order was unsuccessful. He also stated that I needed another payment method in order to have my order processed. I copied-pasted him the funding availability note on my account XXXX   account " FINANCING PROVIDER TD Bank, N.A. ACCOUNT NO **** **** **** XXXX AVAILABLE CREDIT {$2200.00} '' to show him that I do have funding available. He was surprised and asked me to call XXXX Financing Department. 
On XX/XX/XXXX, I contacted XXXX Financing Department by phone at XXXX to find out what the problem may have been. The call lasted about XXXX from XXXX to XXXX Alaska time. The agent confirmed that he does see that I have funding available but can not understand why the order was declined. He concluded that he will transfer the situation to the management with promise that someone will take care of this. Before concluding the call, I notified the agent that I am concerned with the fact that my personal information was accessed but that I have the feeling that I am being lied to. He apologized for the inconvenient and asked me to be patient. 
Today XX/XX/XXXX, I opened my XXXX account and realized that my account was accessed, altered and the funding of {$2200.00} removed without my any form of communication. I immediately contacted XXXX by phone and online chat to find out what had just happened. The agent named XXXX XXXX repeated the usual regret and directed me again toward XXXX Financial Department. This time, the system requested my credit card number and automatically hanged up for three time. 
I am very frustrated and feel that I was manipulated, and my personal information abusively accessed. XXXX and TD Bank accessed my credit file and they know it will affect me. For some untold reasons, they lured and tricked me to obtain my Social Security Number, Financial and Employment Record and they then denied me the service. I feel abused and discriminated against. I don't think anyone deserve to be treated this way. I am asking for justice and reparation in all fairness for the consumer that I am with hope that the two companies are investigated to prevent this situation from happening to someone else.
After looking at my credit reports I was shocked to see late payments while my account was in forberance. My account should be assessed late payments while in forberance. 

Is shows a late payments for : 60 Date Late XX/XX/XXXX 60 days late XX/XX/XXXX 90 days late XX/XX/XXXX 120 days late XX/XX/XXXX I am not sure how this happened, I believe this was in forberance
I XXXX XXXX disputed Items in my equifax credit report, by certified mail # XXXX XXXX 2016, company -XXXX, account # XXXX XXXX, account # XXXX XXXX and XXXX XXXX documemts sent for proof of paid accounts XXXX XXXX 2016 sent credit report # XXXX.corrected the items.and put the Items back on the by XXXX XXXX 2016.with proof of paid accounts.please investigate this matter.if there is anything i need to do just ask.
In 2015, I ordered workout items from XXXX. They offered to open a account. I accepted. XXXX later sold the account to XXXX. 
They sent a credit card from their bank. I refused the card and paid the account off to XXXX. The Bank continued to send statements and enrolled me in their VIP program for {$14.00} a month. I immediately called XXXX to cancel this card and program again. XXXX continued sending bills and adding extra charges. Their card was never activated. I refused to pay. Never signed for their card ; This seems to be a rip-off, and much like XXXX XXXX was convicted of, to open new accounts. In the mean time since I refused to pay these VIP charges, they turned this account over to a collection agency : XXXX XXXX. They continue to hassall my family with no documentation, which I have requested from XXXX, since that is where this account originated. They refused to help since they sold the account to XXXX. In the mean time they have reported to have this placed on our credit report.
XXXX XXXX, attorney -- Phone number XXXX XXXX XXXX Case # XXXX Limited Homeowners : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX, XXXX XXXX XXXX have a judgement against XXXX XXXX from XXXX. We are in the process of doing a short sale. This judgement is a lien on the subject property. Therefore, in order to close the short sale, we need a release that will remove the lien from the property. We sent in a request for a lien release on XXXX to XXXX XXXX, the attorney. We have been trying to get a settlement or a payoff demand from them since then. We have been calling twice a week. We have received nothing. Each time we call we are told a different story, and to call back in XXXX10 days. The attorney, thru his assistants, is at this point claiming to not even have a copy of the judgement, and is saying that XXXX XXXX of XXXX XXXX has not been providing it to him. 

XXXX XXXX and XXXX XXXX are forcing this property into foreclosure. They have had ample time to respond to the lien release request and we are simply running out of time. The foreclosure date is set for XXXX/XXXX/XXXX. The lender will not give a further extension. 

Both XXXX XXXX and XXXX XXXX have likely violated both state and federal law, as they are refusing to verify this debt. This is going to cause undue harm to the homeowner and everyone else involved in the sale of the property. 

Please see call log to the attorney 's office below ... ... 

XXXX/XXXX/XXXX - Lien Release request was faxed to the attorney 's office per the fax number the assistant gave me over the phone. 

XXXX/XXXX/XXXX - Gal that answered the phone said she would get the request to the attorney who will forward it to the client for their response. 

XXXX/XXXX/XXXX - Assistant said the request is with XXXX XXXX XXXX XXXX XXXX and the attorney is waiting for XXXX to respond. 

XXXX/XXXX/XXXX - assistant said to call back Friday as they are working with their client XXXX XXXX XXXX to gain clarification XXXX/XXXX/XXXX - assistant said the attorney is waiting for XXXX to validate some things on their end. 

XXXX/XXXX/XXXX - Assistant said the attorney is still waiting for XXXX to validate some things on their end. 

XXXX/XXXX/XXXX - had to leave a voicemail for the attorney. Assistant said they could not discuss the current notes. 

XXXX/XXXX/XXXX - Assistant said the judgement had to be ordered and the attorney was working on it now. The attorney expected to have an answer to the release request tomorrow ( XXXX/XXXX/XXXX ). 

XXXX/XXXX/XXXX - Assistant said the process server claimed the judgement was in todays delivery but it was n't. The assistant said they would have XXXX XXXX email it to them on a rush and they would have it by tomorrow XXXX XXXX/XXXX/XXXX XXXX. 

XXXX/XXXX/XXXX - 1st phone call I was told to call back in 20 minutes XXXX/XXXX/XXXX - 2nd phone call I was told to call back in 1 hour. 

XXXX/XXXX/XXXX - Today the attorneys office is claiming that XXXX XXXX never imaged the judgement in, and therefore someone would have to go down to XXXX XXXX and pull a copy of the judgement. 

I want a payoff demand and a response to the lien release request immediately.
They call about 5 times a day, early in the morning on weekends. My phone only rings once because its a robo dial but the name and number still pop up on my tv. 

Vital Recovery XXXX I called the number to have them take me off their do not call back list. The gal said " don't you wan to know what personal business this is? '' I said " NO, and that if there is a problem, I should receive something in the mail. ''
I previously disputed this company as their livense was not valid in the state of Michigan. They just renewed their license. As a result of me disputing and filing a previous CFPB complaint they have now loaded a duplicate of the same collection that was not validated previously. This seems like a retaliation attempt of some sort. My previous complaint to the CFPB comments are below. Not if these accounts need to be deleted for failure to validate and verify, and for the duplicate request as retaliation. 

I have an existing account of my credit bureau file from XXXX XXXX XXXX. The account number is XXXX Please be advised that I am disputing this collection account due to the fact that XXXX XXXX XXXX does not have a valid license to collect in the state of Michigan.the image I am attaching shows their license is closed meaning not active according to LARA- Michigans department of licensing and regulatory affairs. I am requesting that this be investigated and this account be deleted from my credit profile immediately or provide physical proof XXXX XXXX XXXX is licensed to collect in the state of Michigan.
My credit information and reports have been compromised by virtue of the Equifax data breach. I would like the option of freezing and thawing my credit availability through all three credit report agencies, but I do not want to be charged for doing so.
Equifax is reporting a duplication of an auto loan that I am the co-buyer on with my grandmother. The loan account was opened XX/XX/XXXX with XXXX XXXX XXXX with a current and remaining balance of {$12000.00}. This is the ONLY loan that we have with XXXX. I have disputed this error with Equifax on numerous occasions to include numerous online disputes as well as phone calls. I have been told by Equifax to contact the creditor ( XXXX ) and have them validate the correct account. XXXX has and continues to validate the correct account and report information monthly. Equifax updates the correct account while disregarding this duplicate entry for almost 2 years despite my numerous disputes. Its an obvious duplicate as both entries show the same account number. We never closed an account and opened another with XXXX and XXXX has confirmed there has been no reason or changes that would to justify an additional entry. 
The duplicate account has not been updated since XX/XX/XXXX which is when it was added, still shows a balance of {$17000.00} and an account open date of XX/XX/XXXX. All incorrect, proven incorrect yet Equifax has and continues to report incorrect information that has not only lowered my credit score, increased my debt to income ratio and directly impacted my credit worthiness and ability to obtain credit.
On XXXX XXXX, XXXX, I submitted A Qualified Written Request for Account No. XXXX, XXXX ( Property Address ) to SPS.

In my correspondence ( please see attachment ), I informed SPS that I was making a qualified written request under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ) and that I was requesting the following documents associated with my loan ( Account No. XXXX ) : 1 ) Appraisal 2 ) Copies of Loan Documents 3 ) Copies of Property Inspections 4 ) Escrow Statements 5 ) Homeowner Insurance Payments 6 ) Loan Payment History 6 ) Foreclosure Notices, Notices to Cure, Acceleration Notices, etc.

I informed SPS that under Section 6 of RESPA they were required to acknowledge my request within 20 business days and that they must try to resolve my issue within 60 business days. However, I did not receive a response from SPS ( please see attachment ) until XXXX XXXX, XXXX. SPS stated in its letter that since more than a year had passed since SPS had serviced my request, a response would not be provided.
I have voice mails and threats to deliver documents to me to take me to court. Left on my house phone and cell phone. Called the companies they say they are collecting from and that these companies tell me they have never heard from them. 

The XXXX numbers they are calling are XXXX ( registered with XXXX XXXX, XXXX - MO XXXX and XXXX
I reported credit card lost a year ago from today which is XXXX XXXX 2016. But never got issueed a new card so I have n't use my credit card since. Recently I receive enormous amount of XXXX balances in mail which is not use under my consent and my credit line limit only up to XXXX. I contacted the bank but they 're unable to resolve this issue and keep charge high sum of interest rate. I asked the creditor to provide statement but it has been several months now and I believe they failed to provide and comply with my request. My credit score are excellent currently at XXXX and I really do n't want this situation to jeopardize my credit score.and I would cfpb to take this matter into action as soon as possible
I'm in the market tn buy a home, so i checked my credit report and notice some items that i do not recognize and did not approve. These items were not authorized by me and i need these items removed from my credit report asap. I have reached out to the city poilce and the FTC. 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 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, Bankruptcy chapter XXXX-discharged, Bankruptcy : Discharged XXXX, Chapter XXXX bankruptcy discharged.
In reference to Complaint XXXX the response by TransUnion was not complete and the credit reporting agency is still breaking the Consumer Credit laws. My Method of Verification request sent on XX/XX/2018 has been ignored repeatedly. 

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business or third party vendor name and address of the furnisher of information contacted in connection with such information and the telephone number of such furnisher. 

TransUnion has yet to provide the information above as required by FCRA 611 TransUnion needs to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. 

This is a very simple request and one that will reveal that TransUnion is violated FCRA and Privacy Laws. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original court documents all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
XXXX XXXX XXXX sold out to Carrington Mortgage while I was waiting on my insurance claim due to Harvey ... Thousands were affected by this storm so I waited my turn ... I have filled out emailed and faxed numerous documents to Carrington ... They seem to have a different answer and form with each call..Carrington has sent out a inspector and know what my money has been spent on.How long do I suffer because I had proper insurance coverage???
I disputed the validity of a public record item I had noticed on my credit report and Transunion updated it as Released/Satisfied and this is not correct or true at all. I have never and will never satisfy a {$120000.00} lien. this is ludicrous. I have never been obligated to pay any type of sum and there is no such lien against me, this IRS lien was settled for just under  ten thousand  many months ago and it no longer should have any thing to do with me. This is inaccurate and illegal. the connotations of this appearing on my credit report and  XXXX  my financial life and I have not been able to financial recover. I politely disputed this and they claim to have verified it and its status yet it is grossly incorrect and fabricated. this lien is invalid and illegal labeled and appearing on my credit report. It must be removed immediately or I will seek legal action. There is ABSOLUTELY NO WAY this was verified as it does NOT exist!
XXXX, has refused to do there job three times they have put false information on my credit report from a company called XXXX XXXX XXXX. I asked for the act to be verified through the court .And to show proof of validation of debt. I have proof of the actual ordered amount. XXXX never got proof they just closed case. the reason I know is because the amount is still wrong. this fraudulent first allowing of this credit company to add bogus information made the other two XXXX and transuion do the same put over 7 thousand worth of charges on my file. it took my score down. also the dispute was not done. I want this removed since it was not done in 30 days and it has been over 4 months.
I took out a personal student loan with Navient formerly  XXXX   XXXX . I have continuously made payment arrangements. Most of the payments were made. They keep calling me ALL day long. I do n't answer, then they call from another number. I have lost count of how many calls a day I receive. I get calls on Sunday and I know they are closed. I am sick and tired of all the harassment. I feel that I can not live a normal life because they are always ringing my cell phone. PLEASE HELP!
My student loans are handled by Navient. When I completed XXXX school in XX/XX/XXXX I was under the graduated repayment plan. This plan indicated that my loans would be repaid in 10 years. I have not changed my status and I have made all on time payments. When I looked at my loans recently I was shocked to see that the loan end date for the majority of my loans were in XX/XX/XXXX. That is 30 years post graduation and a far cry from the 13 year repayment plan. I want to know what steps can be taken, if any to repair this. I have in good faith made payments only to find out that I will be paying until I retire. When I spoke with the Navient customer service representative he sent me repayment information schedule that states that the repayment plan is a 10 year plan, which does not represent what I am currently paying.
I have an escrow account with my mortgage. The mortgage servicer, American Financial Resources , Inc has failed to pay my property taxes from the escrow account. I sent them a note including a copy of the property tax bill more than a month ago. The never responded. I followed up with the same information again a week ago. They never responded. I called today and they claim that they are escalating the problem and that the taxes are going to be paid, but are now delinquent.
I contacted XXXX in the hopes that they could assist me in credit repair. They reassured me they could and would do what they could to make things better, stating it would take up to 6 months before I saw results. However, they decided to dispute many things on my credit report without my knowledge, even going so far as to creating letters and signing my name without my permission. They did this with the Commercial Trade Bureau where the lovely ( I use this with high sarcasm ) XXXX XXXX has been a nightmare to work with. I have contacted her twice asking the dispute be removed and she refuses to do so unless I pay her upfront. Is n't that illegal? Other collection agencies happily obliged to my request after hearing what XXXX XXXX had done, however, XXXX has not. Please help me.
on XX/XX/XXXX i called gm financial to resolve an old debt. The representative there transferred me to a collection department to make a payment. after making the payment, my credit report was suppose to be updated to a paid status, which they did for a few days before switching it back to unpaid. every time i call gm financial there is always an issue with my information in there system and half of them ca n't get past authentication because personal info is not correct either. I gave them my dob, ssn and address but because my telephone number does n't match i would need to be transferred which would start a transferring nightmare one after the next. Its been four months since gm took the payment and they have n't been able to update the credit reporting agencies or the account in their office properly or in a reasonable time frame.