WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted citi bank after XXXX XXXX for a forbearance on our VA loan to recover from the storm. There was a lot of misinformation and one Rep would say I was in a disaster area another would say no when we clearly were ( XXXX ) the eye of the storm passed right over my county. I was finally put in touch with a manager named XXXX XXXX that assured me I was approved for a five month forbearance and an automatic loan modification after, which he said would be done well before XX/XX/XXXX when my first payment is due. I emailed him XX/XX/XXXX and his email address was no longer working and I have a new case worker who was clueless on anything Id been promised and told me I can apply for the modification but theres no guarantee and it takes at least 30 days. He never mentioned the barage of delinquency and scary letters I was about to get while he is I assume requesting a loan modification. 
I started getting threatening letters that I could lose my house because of the delinquency. I should never have been delinquent if citi had kept their word. I have emails to support my claim of what I was told. I am very concerned about my good credit and my home. I read that VA loans after a disaster should receive a loan mod according to circular XXXX. I ask my new case worker about this and lots of other things via email but I just get form emails back that never answer my questions. Even when I asked a question about the modifucation paperwork I had to fill out he just ignored me. When I call they wont let me pay XXXX because theres a bigger balance due. When I try to pay online it locks out the payment option. I hope you can help me!
I did money transfer to a bank account using Western Union on XXXX/XXXX/2016. The money was never received by the receiver. After that I called more then 15 times to Western Union to request the refund on this transaction. Every time I was assured that they have submitted a request for the refund and I should hear back in 24-48 hours. They never called me back and every time I call they keep telling me that someone will call me back within 24-48 hours and no one calls back. On XXXX/XXXX/2016 I spoke to a manager name XXXX ( operator id # XXXX ) and she assured me that she will call back in 24 hours which she never did. I would like to receive the fund back via check mailed back to my home address.
Capital One was not able to give me specific dollar amounts on payments for each transaction type nor are the payments for each transaction type listed on the credit card statement.. 

They would only refer to the procedure of how payments are applied. 
According to Capital Ones procedures, the minimum payment is applied toward the balance with the lowest APR ( 0 % ) and any remaining amount is applied toward the balance with the highest APR. The statements does not show the amounts on the statement. There must be a violation of the Truth in Lending Act. 

I am unable to see where my payments are being applied when there are different types of transactions listed on the credit card statement. 

1. Capital One credit card statements does not show the True balance for the transaction type special transaction ( 0 % on use of access checks ). When a payment is applied toward special transaction type, the statement does not show what the balance ( s ) is. See statements dated XX/XX/XXXX thru XX/XX/XXXX. 

2. Capital One credit card statements does not show the amounts applied to each transaction type. There is no line item showing the amounts applied toward the purchase type transaction balance nor the special transaction type balance ( s ).
I had account fraud, was unaware for months and when the bank called me 8 months later to tell me about XXXX was gone and more transactions were pending. They then tell me they only go back 60 days. XXXX XXXX XXXX is a member of the fdic and they insure for more than what was stolen. They have a fraud department and they said they are under manned, so its not their problem.
I have tried to have this issue remedied previously but Portfolio Recovery Associates still has not removed their account from my credit. After I submitted complaints and disputes about them appearing as a factoring company and reporting a collection account as an open and past due account they have since increased the balance they show I owed. They have added on extra fees to my balance they claim I owe and they are not allowed by law to increase the balance of an account that was from the original creditor.
XXXX  has been non-compliant with removing the unverified account GMFNANCIAL Opened Date XX/XX/2015 which has been deleted by XXXX  and XXXX. XXXX and XXXX   have both completed their research and determined that GMFNANCIAL was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. I am having issues with inaccurate addresses on my credit file. Iwould like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E .

Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XX/XX/2001 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX These numbers are not mine please delete. Telephone Numbers Reported : ( 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
I have not had any response from the company in regards to this debt. I have asked them several times to verify my information and they have failed to do so. I am requesting to have this information removed from my credit report immediately
I was at a auto dealer on behalf of my brother as a cosigner. I ask the Salesperson to do not inquire my credit by more than one financial service ( creditor ). He agreed but I have three inquires on my credit report - XX/XX/XXXX. In XX/XX/XXXX I called the salesman ( XXXX ) and asked why he did not follow our agreement and he 's response was that it was not him, it was his manager.
I applied for a mortgage loan with First Cal mortgage phone # XXXX was approved the escrow went through and we moved in and my first payment was due XX/XX/XXXX, ,I received a letter XX/XX/XXXX ( dated XX/XX/XXXX ) that a new servicer XXXX/XXXX  XXXX will be accepting my payments so I called the provided phone numbers from each company and verified that I have to make the payment to new company with a new loan number, XX/XX/XXXX I made my first payment with a check draft out of my checking account, on XX/XX/XXXX I received a statement from First Cal demanding payment for XX/XX/XXXX and XX/XX/XXXX so I called them to verify and they said it 's probably a clerical mistake I asked them please to correct their statement and this is causing a great deal of XXXX for me and my family the lady on the phone promised it wo n't happen again,, on XX/XX/XXXX late in the afternoon I had a message left on my voice mail from First Cal collection department which I tried to call back but because of Hollidays could not get hold of no one this has turned into a nightmare, I have followed instructions from First Cal whom to make my  payments to and now they are demanding payments again I need some help please.
I have submitted online disputes within the last 6 months and have not been able to get the results and one is still pending although its past 30 days and another result is merely n/a with no explaination. below are the credit report numbers in question : XXXX pending from XX/XX/XXXX XXXX completed XX/XX/XXXX result is n/a XXXX completed XX/XX/XXXX result states delivered online however i never received them. XXXX completed XX/XX/XXXX states to click on " view '' to see the report however upon clicking it, nothing happens, unable to view it.
I have a XXXX XXXX XXXX XXXX Credit Card by Barclays Bank. One of the advertised benefits on the card is a Price Protection benefit according to which if the price on an item I purchased using my credit card drops after the purchase they will reimburse me the difference. https : //www.barclaycardus.comXXXX details all the benefits including the Price Protection benefit ( I got this link after logging into my credit card account so this is for my credit card and not generic information ). I called the number listed on the website to file a claim for Price Protection where they mentioned that my card does not have the Price Protection benefit. I called Barclays customer service with this information and they verified that the card does have the benefit and transferred me over to the claims department again to file the claim where they again denied the benefit. This ping pong back and forth between these 2 departments happened several times starting on XX/XX/XXXX and continued into XX/XX/XXXX where me and my wife collectively spent greater than 4-5 hours on this. On XX/XX/XXXX after much effort I was able to get XXXX customer service and the claims department on a conference line so they can work out the confusion between themselves ( you 'd imagine they should be doing this without me facilitating this ). They took a paper claim and mentioned that they will review the confusion with the management of the claims department to figure out what 's going on here and get back to me by end of day XX/XX/XXXX. That did not happen and I called the claims department for a follow up to that on XX/XX/XXXX and they went through the same ping pong game again asking for all information, refusing to connect me to their management and flat off denying that my card has any such benefit.
The bank extended a $ XXXX line of credit to help me grow my business. When the loan came to maturity they debited the amount due to my checking account even though I mailed them a check in the like amount drawn on the same account. 
When this error was brought to the banks attention they remedied their error by issuing a bank official check for {$77000.00} However that check was never encashed and the business was closed by my family when I was hospitalized due to a near death trauma. 
Some years ago the check was presented to the successor bank but they refused to replace or honor it. 
I sought advice from XXXX XXXX XXXX who had taken this same bank to task for malpractice. 
I approached XXXX XXXX, the CEO of the bank as he instituted vast beneficial changes in the banks operations to amend their practices. However his office directed me to the Florida State department that handles uncashed cashier checks. This mechanism allows banks to take client unclaimed funds off their balance sheet and handover same to the state due to death or not knowing the whereabouts of the beneficiary. 
The State explained to me that mechanism was not applicable to my funds as the bank at all times to date had my address and continue to hold my same account with the same number today. 
I come to CFPB on recommendation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She had a regional director, XXXX XXXX of the bank from their Florida regional office in XXXX contact me. She confirmed the funds were with the bank and that the check was issued through a vendor that issues their official chcheck. That the official check was stopped for lack of encashment and the funds making up the check weare with the bank. They now use a different vendor. 
XXXX XXXX requested further information, statements etc which I may have in boxes and furniture packed by my family.XXXX XXXX XXXX recommended that I request CFPB to investigate the matter so the bank will replace their uncashed/stopped Official Check. 
Thank you
Equifax put ineffective security measures in place, which led to a breach that puts myself and millions of others at potential risk. Furthermore, very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
According to the HPA, I should receive automatic PMI termination at 78 %. I asked the company to consider such termination at 80 % and they insisted that I submit a written request which I did. They then told me that they never received my written request. 

Then at 78 %, I was told that it wouldnt be terminated until XXXX XXXX as my payment is in arrears. A mortgage payment in arrears has nothing to do with the HPA and PMI termination. As long as the borrower is in good standing, which I am as I have never been late or in arrears, then a request with an appraisal should be honored by 80 % LTV request or automatically at 78 % LTV. The fact that the bank escrow department management told me that I have to wait until my monthly XXXX XXXX payment, although I am currently at 77 %, reveals that this may be a systemic issue with this bank and should be reviewed by your examiners. PMI requested or automatic termination has nothing to do with the payment being arrears XXXX dependent only on good standing and the LTV at the time, 80 % and 78 %, respectively. Since XXXX XXXX, I have been at 78 % LTV, yet I keep being charged for PMI.
Equifax failed to secure my and my wife 's personal data and it is now public as a result of the failure to encrypt my data. I was not directly notified of the failure to secure my data. I had to read about it on a social media press release. 

As a result of this, my wife and I have placed fraud alerts on our credit files as well as credit freezes to protect ourselves from the leak that was a result of Equifax 's negligence in protecting our data. The freezes have cost us {$41.00} so far and I would like to be reimbursed for the cost to protect myself. The costs to protect my wife and I could continue to go up and I would like to be reimbursed for the costs as it is a direct result of Equifax 's negligence.
To whom it may concern, I have a complaint I need to file against Macys. I have disputed this account  XXXX  times and all  XXXX  times Macys has verified the information to be accurate per the credit bureaus. I have been trying to get in contact with the creditor who is verifying this information for three days and everyone including Macys is saying they dont have the account anymore.   XXXX   XXXX  , 2017 I looked at my credit report I received in the mail from disputing information on my credit report and called Macys (   XXXX   ) to settle the account. They informed me that they dont own the account anymore and for me to call Citibank (   XXXX   ) which is also known as Macys recovery department. I called Citibank and spoke with a collection agent named   XXXX   ; she informed me that they dont own the account anymore.   XXXX   told me to call   XXXX   XXXX   (   XXXX   ) ;   XXXX   XXXX   told me they dont have the account anymore.   XXXX   XXXX   then gave me an invalid number   XXXX   which they said belong to  XXXX .   XXXX   XXXX  , 2017, the exact same thing happened. I ask to speak to a supervisor or a Manager for all  XXXX  agencies and nobody could tell me any information regarding this account. Macys manager refused to get on the phone.   XXXX   XXXX  , 2017 the same runaround happened again, but I was on a three way call with my realtor because they couldnt believe what was going on. She witnessed the exact same thing happen live on the phone. Could you please look into this situation because I am trying to close on a house and it is blocking me from doing so. I believe this account should be deleted because I tried to settle it but no one wanted to take my money because they dont have any information on the matter!
Called about a debt with a cable company in XXXX, OH. The debt is apparently from a cancellation fee due to the fact that I moved out of the service area. I never signed or agreed to any such fee. When I called back, representative did not verify any information on myself and threatened to garnish wages, send to a lawyer and other actions.
XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, all seem to now know who is responsible for my mortgages. I have a first and second mortgage. SPS says that they stopped servicing my mortgage a year ago, and gave me a letter stating this fact. 

So how do I get the liens released? I am requesting a full reconveyance of the liens for the property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

The loans have been charged off and there is XXXX balance owing as per the documents received by SPS. 

Please see attached.
Numerous attempts have been made to contact XXXX as well as Capital one and after my 3rd attempt I am forced to file a complaint. 

XXXX is reporting incorrect information via XXXX XXXX and it is affecting my credit score heavily.

XXXX is only showing 1 account reporting and that account is showing that the last payment made was 2012 which is incorrect. XXXX   and XXXX are showing over 10+ current accounts I maintain as well as displaying the correct information from my Capital One card.

I am asking to please help get this resolved as my other bureaus are close to a 800 credit score and my XXXX  score is around 600 with inaccurate information.

Your help with this matter is much appreciated.
ATTENTION DISPUTE DEPT. TODAYS DATE : XX/XX/XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam ( if you know the name of the person in charge, the better ), This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX  XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX   XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX   XXXX  Inquiry from XX/XX/XXXX + Finance To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
XXXX XXXX XXXX never mailed me anything to this account all I ever received was from a letter from Exeter Finance saying it was been transferred to XXXX XXXX XXXX. 
XXXX XXXX XXXX never contacted me nor mailed a letter by law. I did not even have the right to dispute the debt that is on my credit report. 

Exeter Finance bought this account back from XXXX XXXX XXXX This account does not belong to XXXX XXXX XXXX
My account was hacked by someone who charged around {$1400.00} to XXXX. I tried to dispute this with the bank on XX/XX/2018. I was told that the bank wouldn't do this that I had to contact XXXX to do it myself. So I spent 3 days on the phone with XXXX. Emailing, phone calls etc and finally on XX/XX/XXXX I was allowed to file a dispute. When I went in on the XXXX the teller made the comment that there were so many it was going to take forever to do and so I would just need to do it myself. I went to the main branch on the XXXX and was told that my provisional credit would be in my account within 48 hours after filing my dispute. Mind you I have done research and emailing and phone calling to prove this fraud. I have even provided the bank with all documents and access to my personal email to prove this. Right after I left the bank on the XXXX the VP from the other branch where they wouldn't file the dispute called me from her personal phone wanting to know what I was doing. I told her I just got done signing the dispute papers and she wanted to know with who and why. Truly it isn't any of her business but was weird that she called me right after I left the main branch. I have been calling and emailing the bank daily since this has happened wanting to know what is going on. At first they were talking with me and now no one will talk to me at all. When I call the moneyline number there is literally a note in my account to transfer my calls to this branch over here in XXXX and no one is to discuss this with me. They have been very rude and have made me feel very unvalued as a customer. I have done everything I can to help them and have cooperated fully with them and I am being treated like XXXX. They are ignoring me. Today marks the 10th day since my dispute and I have not received my money back or provisional credit at all. And no one will contact me back! This has caused horrible stress on me. I was told by the guy I spoke with on the moneyline and by a lady with the CFPB that the law is 10 days. I am filing this complaint because I do not know what else to do in this matter. I am very angry as would anyone else be. I am sure I am leaving details out but this sums it up. I do have a lawyer as XXXX XXXX XXXX XXXXXXXX so I know how to do my research. I have been researching and investigating myself into this matter on my end and providing the Midfirst Bank with plenty of evidence and information.
As a courtesy service my bank, the XXXX XXXX XXXX XXXX, provides my Experian Credit Score. I believed this to be true and factual. However, recently my wife and I applied for a consumer new auto loan and was surprised when the rejection explanation listed completely different credit scores for both of us. XXXX tells me that they used our " lending '' score, along with other factors. Their Notice of Our Decision letter never mentions the term " lending credit score ''. How and why it is legal to provide me, the consumer, false information and misleading information and provide completely different information to lenders? I do not understand.