WillisBack/dataset-financial-user-claim huggingface dataset:
Previous to this complaint I had lodged one other complaint directly to the CFPB. That complaint was Case Number # XXXX. The second complaint came through the SEC as complaint Case Number # XXXX. In New Jersey, the court system is corrupt and XXXX XXXX XXXX XXXX XXXX has garnished favor from the court system to run roughshod over the state producing an effective foreclosure mill that should be investigated by the highest members of state. I have personally run across members of lawfirms that have given up fighting the corruption because the banks represent huge power structures whose poison has infected sound and fair judicial decisions. The status quo in New Jersey is now, push foreclosures through the system as quickly as possible to secure the hard asset, and deal with whatever circumstances at a later date, should that happen to be the case. I highly doubted the CFPB was going to do more in either case than to bring the parties together in an effort to broker a deal. This was not my initial stance. The initial position was for Citimortgage to produce the wet ink document. Without such, there was no case to negotiate. The CFPB contacted Citimortgage under the guise of negotiator, and Citimortgage was allowed to play games and play innocent to secure a position of negotiation. Because of this, a sheriff 's sale was scheduled on XXXX/XXXX/2015, but I have submitted a two week delay for a new date of XXXX/XXXX/2015. How the above mentioned lawfirm got to such a quick sale date still mystifies me, as I had checked the website for sales, and up until a few weeks ago, property sales were locked in until XXXX XXXX, and my property was not even on the ledger. I am currently exercising my options as to remedy this issue. This notice serves as a notation by me to the CFPB as a footnote to future legal settlements. I do not expect the CFPB do much more than what they have already done. I will submit, that I want a documented complaint in which I state in the strongest language, the absolute sinister behavior of the system of jurisdiction and its group of minions who seek the destruction of the average American family. Because these matters are usually addressed in greater detail over time, should this matter come up in the future, let this submission stand, that I have stated beyond a reasonable doubt of corruption, and acts of enrichment, while professionals of law had to sit idly by to watch the perversion of the law and its decimation by the corrupt.
I opened a Citibank Checking Account Package on XX/XX/2018, I fulfilled all requirements to receive the {$300.00} bonus, and Citi now refuses to credit my account with the bonus even though multiple customer service representatives have confirmed I had fulfilled all requirements.

The requirements were : debit purchases of {$370.00} qualifying bill payment ( 1 or more for 2 consecutive calendar months ) The photo is attached of the promotion sent to my mailing address.

Please reference the following Citi website online " chat '' with Citi representative XXXX   from XX/XX/2018 that confirms I met all requirements for the bonus : XXXX at XXXX, XX/XX/XXXX : Welcome to Citi Live Chat. We appreciate the opportunity to serve you.

How may I help you?

You at XXXX, XX/XX/XXXX : Hi, {$300.00} citibank checking account bonus. Could you check to make sure I've met the requirements?

XXXX at XXXX, XX/XX/XXXX : Will do! Please allow me a few minutes as I check your account.

XXXX at XXXX, XX/XX/XXXX : I apologize for the delay ; I'm still checking that for you. Do you mind waiting for another moment?

You at XXXX, XX/XX/XXXX : ok XXXX   at XXXX, XX/XX/XXXX : Thank you for your patience!

XXXX at XXXX, XX/XX/XXXX : When ever you are no longer eligible or miss a requirement, your account gets a flag that can no longer be removed.

XXXX at XXXX, XX/XX/XXXX : In your case, there isn't any XXXX at XXXX, XX/XX/XXXX : so you're meeting all requirements up to date.

XXXX at XXXX, XX/XX/XXXX : Keep in mind when the requirements of the promotion are complete XXXX at XXXX, XX/XX/XXXX : it will take 90 days to process reward.

You at XXXX, XX/XX/XXXX : Does it show in your system that I've spent {$370.00} of qualifying debit purchases?

You at XXXX, XX/XX/XXXX : Does it show in your system that I've had a 1 or more qualifying bill payments for 2 consecutive calendar months?

XXXX at XXXX, XX/XX/XXXX : I'm checking for you.

You at XXXX, XX/XX/XXXX : Thank you XXXX at XXXX, XX/XX/XXXX : I apologize for the delay ; I'm still checking that for you.

You at XXXX, XX/XX/XXXX : ok XXXX at XXXX, XX/XX/XXXX : Thank you for your patience XXXX at XXXX, XX/XX/XXXX : 375.00+ debit purchases was met XXXX at XXXX, XX/XX/XXXX : I also see 2 bill payments : one on XX/XX/18 and one on XX/XX/2018 XXXX at XXXX, XX/XX/XXXX : So as mentioned, it's all meeting the requirements.

Over {$10000.00} was tied up in the checking account until XX/XX/2018 until XXXX XXXX, an in-branch Citi manager who agrees I should receive the {$300.00} bonus, told me I could remove the {$10000.00} as he filed investigations. The following 2 Citi " investigations '' said I didn't fulfill the debit purchases. This is wrong, and my account should be credited with {$300.00} asap. Please remedy and thank you.
Enrolled at XXXX College in XXXX XXXX, California. XXXX College was part of the XXXX College system. Did not receive education as represented or job placement assistance as promised. The whole thing was a fraud. Was ripped off and now am being asked to pay for, essentially, nothing.
I contacted Equifax and XXXX during the week of XXXX XXXX, XXXX thru XXXX XXXX, XXXX. I called in reference to inquries that i had not appointed. I told the represenative that knowing what my current credit status there was no reason for me to be applying for credit. The only reason by law for my credit to be checked is : In response to a court order or federal grand jury subpoena ; To manage the risk of current or potential credit or insurance accounts that were initiated by you ; for employment purposes, with your written permission ; for the purposes of a potential investor assessing the risk of a current obligation ; in connection with your application for a license or other benefit granted by the government, when consideration of financial responsibility is required by law ; in connection with a business transaction initiated by you ; in connection with a child support determination, under certain circumstances ; in connection with a credit or insurance transaction not initiated by you, when a firm offer of credit or insurance is extended, and certain other restrictions are met. 

None of these inquiries fall into those categories. I am asking for immediate removal of these inquiries from my credit report.
Someone residing at XXXX XXXX XXXX XXXX, XXXX, GA XXXX used my social security number in XXXX XXXX to setup an account with XXXX XXXX. When first notified by a collection agency in XXXX XXXX, I complied with XXXX request to submit all the appropriate disclaimer information ( affidavits, picture IDs, court documents ). XXXX assured me that the matter would be resolved. Recently, however, I 've received another letter from a different collection agency ( Credit Collection Services, {$1700.00} ). Evidently, the previous collection agency ( the exact name I ca n't recall ) sold my account to this new collection agency. According to this new agency, I am once again responsible for submitting documentation proving I am not responsible for the debt, that I indeed am a victim of identity theft. Incidentally, I contacted the XXXX, Georgia police department several times. Eventually, they went through the motions of taking down information. Evidently, no prosecution has been sought against the individual who appropriated my identity. Even so, it is incumbent upon me to provide all the necessary information even though every party involved ( the XXXX police, XXXX and the respective collection agencies ) know the address of the individual using my social security number.
I thought I had properly set up my loan on monthly auto draft through the online website. I never received a phone call letting me know that my mortgage payment was late. I happened to check the website on XX/XX/XXXX and noticed that my loan was now over 30 days late. I immediately made the XX/XX/XXXX and XX/XX/XXXX payments. As I was under the assumption that the loan was set up on auto draft. Also, had I been notified before the 30 days was past, I would have made the payment on time. CMC Funding will not doing anything to help fix the credit report reporting the late payment.
Specialized Loan Servicing acting as the Servicer has failed to meet all of its requirements under HBOR and is attempting to illegally foreclose on my personal home by selling it at auction on XXXX XXXX, 2015. The direct violation of HBOR law is based on Specializing Loan Servicing improperly and unfairly reviewing my loan modification request for relief. i have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times. in addition, Specializing Loan Servcier has repeatedly denied me help several times and i never get a single person to answer my questions honestly or directly. They always have XXXX of people pass of my file amongst each other just to create motion and delays. i intend to keep my home and i meet all eligibility criteria. They have never offered any help or relief and continue to threaten to take my home. Specializing Mortgage illegally commenced and is conducting a foreclosure while reviewing or without attempting to find workout relief options for myself. they have mishandled my documents and file several times and failed to properly communicate with me throughout the process. they simply wish to foreclose and kick me out on the streets. they have clearly violated HBOR specifically under the dual tracking clause. Specializing Loan Servicing instructed and allowed foreclosure trustee named XXXX to illegally start foreclosure on my property. The Specializing Loan Servicer and know your options website gave the result that i am eligible for a loan modification with a lower payment to save my property. so there is no reason why Specialized Loan Servicer should have denied my request or started foreclosure on my home.
I was rated by the XXXX in 2008 to be XXXX with service connected problems received from service in XXXX. I had to shut down my construction business of 35 years due to medical problems. Right about then the economy went bad. Wife and I lost all of our savings and almost out home. Had a mortgage with XXXX and it was sold to nationstar mortgage. We thought B of A was bad until trying to get a loan modification from nationstar! These people should be in prison- what XXXX We went through all the making homes affordable deal, and they set us up with XXXX XXXX Counseling Service. After submitting all the modification papers to XXXX they sent a letter to nationstar recommending a modification! They along with us sent all the papers to nationstar- which they lost after months of waiting. We sent more updated copies to Springboard and nationstar and after months of waiting they lost them again. We submitted more and more copies over the period of 2 years only to be asked to send more. These people are the most incompetent crooks I have ever dealt with. They kept giving us a new so called- " dedicated loan specialist '' every few months. You could leave messages to these jerks forever and never hear back. I was told 2 times by nationstar people that all papers were complete, and they would have a decision for us soon. Only to be asked for more papers again. My story with them could go on for hours, but must stop. We finally gave up, and filed a complaint with my local congressperson. It helped a bit, but then once again the request for the same submitted paperwork. We have completely given up all hope of dealing with them. They know I am XXXX, and that we are struggling. That 's why they will continue to torture you until they know you will give up. What is our once great XXXX coming to when a company like nationstar ( I refuse to capitalize their name ) can treat people like this, and get away with it. The very people you they make a living off of- so they can pay their greedy CEO millions of dollars a year in bonuses.
On XX/XX/XXXX I submitted a complaint with my police report showing I have been a victim of identity theft. There were several items taken off of my credit including inquiries that I did not authorize. In XX/XX/XXXX I received notice that XXXX had experienced a data breach and information was compromised. On XX/XX/XXXX I pulled my credit report to qualify for a home loan and a account from XXXX XXXX XXXX was located on my credit report. I have called all 3 credit bureaus as well as XXXX XXXX to resolve this issue. I have faxed over police report and findings and these credit bureaus have refused to remove these derogatory items. I also noticed that I have a inquiry from XXXX XXXX XXXX which I also did not authorize. There is specifically a note on my account that advises credit can not be pulled without my authorization and that has not happened. I truly feel like my right as a consumer under the FCRA have been compromised. Please look into this matter immediately.
Sent my payments back and said could n't locate account. Its the same account I 've always used. Charged me late fee and ruined my credit report so I can ' refinance. They said they would remove late fee but ca n't fix my credit raiting.
I had been using a credit card issued by Citi for some time. In XXXX 2017, I received a letter from Citi regarding a past due status on the account. 

I immediately called and learned from the customer service person ( collections department ) that I had been switched to paperless statements approximately 2 months prior. I never received any paperless statements, reminders, email, etc. and, most importantly, did NOT convert my account to paperless billing. I was told by the representative that if I log in to my account it will come up with a default check on the paperless option and " if you do n't catch it '' it will switch you over. 

I requested a copy of my latest statement and immediately paid the past due. 

I object to being charged interest, a late fee, and the reporting of this to credit reporting agencies. I would like to see some evidence that I elected paperless reporting, and I would like to see a regulatory agency look into this practice.
I went to kohls. I spent XXXX dollars. The lady working asked me if I wanted to open a credit card. She said I would save 35 % on my total purchase. I told her for 35 % on XXXX bucks. It is worth it. So I agreed. She then ran my information and after I was approved she scanned her coupon for opening the account. I saw XXXX dollars taken off my total. I said to her, 35 % of XXXX is not XXXX bucks and she said I dont know what happened. She asked another cashier and the other cashier said most the items I was purchasing does not qualify for the 35 %. Well, the lady who opened my account said. Sorry I didn't know about the exclusions because I'm only seasonal help. I did not have my credit ran to save XXXX dollars. I was livid about it and especially not being disclosed all the information about opening the card. I asked to speak to a manager and they said there is nothing they can do. I also called corporate and they said there is nothing they can do about me getting the 35 % percent off as promised. I should not be liable for the whole amount charged to the card. I have been scammed for opening a credit card and they are acting like it is no big deal.
Synchrony bank lowered my credit limit on my " Lowes '' credit card from XXXX to XXXX. In response I closed the following accounts which are serviced by synchrony bank : XXXX XXXX XX/XX/2018 ; JCPenny-closed XX/XX/2018 ; Lowes-closed XX/XX/2018. In response to my action Synchrony bank retaliated by lowering my Walmart Mastercard credit limit from XXXX to XXXX on XX/XX/2018. They " synchrony bank '' delayed crediting my timely mailed in payment for XX/XX/2018 causing a late charge to my account.
In 2010, I was granted a loan modification from Chase Mortgage. The mortgage stated that XXXX was " deferred '' with no terms for repayments. When I called and asked about the amount I was told it would be " forgiven '' after XXXX years of timely payments. No where in the loan modification that I signed has a provision for repayment and it is not included in the amortization schedule sent to me by Chase Mortgage. No where in the document does it state that I am to repay this amount as I never would have agreed to such an agreement considered my homes value had dropped significantly. Chase now states that I took out a XXXX mortgage/ piggy back loan for the additional XXXX which is simply not true. They are now holding me accountable for an amount that I did not agree to pay back. I need assistance in getting Chase Mortgage to hold up their end of my loan modification agreement. I am attaching the Loan Modification which clearly states my payment terms and amortization schedule as per Chase in which no where does it state provisions for repayment of this amount.
This is in reference to the account in collections reported inaccurately by XXXX XXXX in the amount of {$490.00} listed by Experian on my credit report. The account that was closed is not being reported accurately. Information like the dates are incorrect, not to mention the amount. But I had previously contested the amount with the debtor years ago stating that is not what I should 've been charged originally but it was never corrected. So at this point when I already had to wait for the seven year mark for it to fall off I do not understand why XXXX XXXX did not report the right dates or have since changed the dates so that they stay on my report ( s ) longer.
I have a mortgage through Huntington and had setup a checking account with them as well for the purpose of having a Direct Deposit into the account in the amount of my mortgage to be swept out each month to satisfy the terms of the note. I received a call today from Huntington. After verifying who I am and saying she was with Huntington the very first question the rep asked me was " Do you have intentions on keeping your home at X address? ''. As it turns out there was a error with the online $ transfer from the checking account to pay the mortgage. I immediately gave her a check over the phone. When I asked why she would ask such a question the rep said that is how they are trained to start the call. This is a psychological game meant to infer that the bank has intentions of me NOT keeping my home. Its reprehensible to use such tactics on customers. I requested her supervisor who I was transferred to, XXXX, who confirmed that is how the reps are trained. He preceded to be trite and rude, but I 'm less concerned with the poor choice in supervisor staffing than I am with a large financial institution using psychological scare tactics in their call scripting on a massive scale.
I got a loan to pay for XXXX but the XXXX never was able to provide the service promised a refund but closed his practice finance company lending club will not return money
On XXXX/XXXX/16, I contacted Collection Professionals Inc in XXXX IL. trying to explain that the past due medical bills were still pending with insurance. Insurance had initially denied them stating they were pre-exsisting. After I appealed and a lengthy investigation, the decision was reversed. At this time, I thought the issue was resolved. Until I received a summons to court for said medical bills. After calling insurance, it was determined that XXXX had forgotten to send the claims back to adjuster and did so today. They stated they would pay their portion and then secondary ( medicaid ) would pay the rest. After I explained this to XXXX from Collection Prof, he stated that it made no difference and that I would still have to pay it out of pocket resulting in double payment.He said it was because it took 4 years to process. He blantly called me a liar, even after I said that XXXX was sending a letter explaining situation. He would not answer any of my questions, interrupted me frequently and spoke down to me. I would and will gladly pay any bill, I am responsible for but not until insurance processes it. I will not pay only have insurance pay also and no one deserves to be talked to the way I was. I am not some low life who just doesnt pay their bills. I am a highly educated woman, who lost a great job after being XXXX with XXXX XXXX. XXXX was a lenghty process and I am dokng the best I can. I, nor does anyone else deserve to be treated like trash.
We filed for Bankruptcy in XX/XX/XXXX and our case was discharged as planned. However TramsUnion has been has continued to report the XXXX credit card info that has been discharged. I 've gone back to the bankruptcy lawyer that assisted us in the bankruptcy but we have not gotten resolution. We would like XXXX XXXX stopped reporting to my credit report per our bankruptcy. Last reporting date was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCreditCardXXXX XXXX XXXXLast Past Due : XXXX/XXXX90+ Days : XXXX/XXXXXXXX : DEBT INCLUDED IN OR DISCHARGED THRU BK XXXX : ACCOUNT DELINQUENT 180 DAYS PAST DUE DATEXXXX : BANKRUPTCY CHAPTER XXXX XXXX XXXX XXXX XXXX REV XXXX XXXX C XXXX 1963 XXXX XXXX XXXX XXXX XXXXCreditCardXXXX XXXX XXXX30 Days : XXXX/XXXX60 Days : XXXX/XXXX90+ Days : XXXX, XXXX, XXXX
Company claiming to be a debt collector keeps calling me and texting me from different numbers stating I have to pay for a payday loan from Advanced America from XX/XX/2013, and that they are going to come to my job and arrest me. They state they are calling from XXXX and I spoke with a gentlemen by the name of XXXX XXXX. I have received calls, text messages and voicemails from the following phone numbers : XXXX, XXXX, XXXX and XXXX.
I have a loan with XXXX XXXX  &. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX & with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX -XX/XX/XXXX andXX/XX/XXXX.
I have sent Transunion dispute letters and Fraud Affidavit informing them that I was a victim of identity them. Someone use my information without my knowledge. I have disputed this claim many times with Transunion. They have stated that XXXX XXXX XXXX has verified this information. Which is ironic because I ca n't get them to send me any information with regards to this account. This account is not mine so I will like for Transunion to remove this information from my credit file.