WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing to request assistance with Experian. I believe that they are not actually investigating and verifying my accounts. I believe this to be true because after I submitted the same information to the other two credit bureaus XXXX and XXXX  and after investigating them the accounts were deleted. I wrote Experian several times regarding the inaccurate information on my credit report and they are refusing to remove it. 

My most recent letter to Experian states : XX/XX/2018 Experian XXXX XXXX  XXXX XXXX, TX XXXX Dear Experian, The below accounts are inaccurate, out of date and the balances are incorrect. 

Based on your results, I believe that you have not investigated or verified these accounts correctly or at all. By law ( FCRA Fair Credit Reporting Act ) you are required to investigate consumer disputes and remove the accounts if they are found to any inaccuracies. There is no way you could have properly investigated and verified these accounts and they were deemed accurate. 

I am requesting that you actually investigate and verify these accounts for accuracy, and delete them, as they are incorrect. 


Account Name : XXXX XXXX Account Number XXXX Reason : Not mine. 

Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number XXXX Balance {$7500.00} Reason : Inaccurate. Out of Date. Incorrect Balance. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number XXXX Balance {$15000.00} Reason : Inaccurate. Out of Date. Incorrect Balance. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number XXXX Reason : Inaccurate. Out of Date. Incorrect Balance.
I had obtained the services of an ambulance in a XXXX emergency. The Ambulance company is a contracted provider with my insurance and did not bill such correctly, and placed me into collections in error. I have attempted to resolve this matter for well over a year, while this debt remains on my credit report. The Ambulance company has finally billed the insurance carrier, obtained payment in XX/XX/XXXX2016, however the collection agency insists on billing me for the interest accrued and refuses to accept my co-payment that is contractually agreed with my insurance of {$200.00}. The collection agency Manager is rude and aggressive and refuses to allow resolution to this account, despite the Ambulance company acknowledging the error and that only a {$200.00} co-payment was due.
On XX/XX/XXXX I received a letter from XXXX XXXX that I was approved for a Loan Modification and that my principal, interest and escrow would be {$1100.00} commencing XX/XX/XXXX. The loan was bought out on XX/XX/XXXX and OCWEN took over the loan. 

On XX/XX/XXXX OCWEN sent a statement stating my interest rate was going from 2.7 % to 4.75 % and my new loan payment would be {$3500.00}. Then my XX/XX/XXXX OCWEN statement stated I had a past due payment of {$100000.00} and my interest rate is now 5.375 %. 

When I asked OCWEN why the increase, I was told I had an interest only loan and that my loan amount should have changed on XX/XX/XXXX and I am now being charged for past due charges of principal and interest for the last 4 years 9 months.
MY EXPERIAN CREDIT REPORT IS REFLECTING A CLOSED NEGATIVE XXXX  XXXX ACCOUNT WITH AN OUTSTANDING BALANCE THAT DOES NOT BELONG TO ME I PREVIOSULY DISPUTED THIS WITH THE COMPANY AND EXPERIAN AND IT WAS TO BE REMOVED FROM MY CREDIT FILE BUT IT IS NOW APPAERING AGAIN AS OF TODAY
CitiBank Disputed charge {$330.00} Case ID # : XXXX Booked a non-smoking room for 3 nights ( XX/XX/XXXX - XX/XX/XXXX ) at XXXX XXXX, XXXX, PA thru XXXX. ( XXXX confirmation number : XXXX ) Received a VERY smokey room. Complained to front desk. Was told 'smoking room ' was nearby & smoke travels. They said they were booked & could not change our room. I immediately called XXXX. The XXXX representative was extremely sympathetic to our situation & clearly told me over the phone on XX/XX/XXXX that our reservation would be cancelled & credited. To make up for the bad experience, the XXXX representative offered an additional {$50.00} credit to be used on a future booking. Since XXXX told me over the phone that the reservation would be cancelled, I have no written proof of the cancellation. 
The following morning, I spoke with the manager of the XXXX XXXX, XXXX XXXX. He apologized for the smokey room & said unfortunately, no other rooms were available. XXXX XXXX said XXXX emailed him regarding the situation & that he also spoke with XXXX over the phone. XXXX XXXX said that our reservation was cancelled for the remaining 2 nights & that he waived the charge for the first night. We prepaid for 3 nights at the XXXX XXXX. We left after 1 night. After speaking with the XXXX representative on XX/XX/XXXX & XXXX XXXX on XX/XX/XXXX, we left the XXXX XXXX on XX/XX/XXXX believing that we would receive a Visa credit from XXXX for the 2 unused nights, a Visa credit for the first night in the smokey room, and an extra {$50.00} credit on our XXXX account to use on future bookings. 

We filed a disputed charge complaint with CitiBank Visa in XX/XX/XXXX & supplied them with all the details of the claim. In XX/XX/XXXX, we received a letter from CitiBank Visa stating that when we booked the room, we agreed to the cancellation policy of XXXX & therefore we were responsible for the full stay. We wrote back that this was not a late cancellation, but a dissatisfaction with the services received ( We paid for 3 nights in a non-smoking room, but only a smokey room was available. ) We told CitiBank Visa that both merchants ( XXXX & XXXX XXXX ) verbally agreed to a full refund back in XX/XX/XXXX. 

CitiBank Visa denied our dispute on XX/XX/XXXX We tried in good faith to correct the problem with the XXXX XXXX & with XXXX. The general Visa guidelines that say if you are dissatisfied with the goods or services that you have purchased with your credit card, and have tried in good faith to correct the problem with the merchant, you may dispute the purchase, and receive a credit on your account. Visas Merchant Agreement says that the merchant can not impose as a condition of Visa acceptance, a requirement that the Cardholder waive a right to dispute a Transaction. 

We appealled the denial & on XX/XX/XXXX, we were informed by CitiBank Visa that since the merchant was willing to offer a {$50.00} credit toward a future stay, CitiBank Visa has no further obligation to help us obtain the {$330.00} credit. 

Please help us obtain the {$330.00} CitiBank Visa credit that is owed to us.
I have called Navient multiple times trying to lower my student loan payment. Each time I call no one is willing to work with me. At one time my loan payment was {$1300.00} which I could not afford. I have tried to apply for income driven repayment but each time I am told that I make too much. It is frustrating that I have never missed a payment in 7 years but yet no one is willing to work with me to help lower my payments.
Amcol Systems Inc. put a collection on my credit. 
They never contacted me or anything. They just put it on my credit. It only says medical. I don't have any outstanding medical debt. I have medical insurance. 
I have sent a validation request to this agency according to the Law of the FDCPA SEC. 809B Amcol has not responded. this has been going on for over 90 days.
I have an unverified account from XXXX XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
When I refinanced my current home loan in 2013, I was told by my mortgage agent that I can cancel my pmi when LTV reached XXXX %. Today when I contacted my servicer Nation Star I was told there was a note in the documents I signed that I agreed to cancel PMI until it reached XXXX %. Which is totally outrageous and against the law. I called my investor XXXX XXXX and they stated that XXXX % LTV is their guideline to remove my PMI. The fact my agent lied to me and that XXXX XXXX used a guideline of PMI which is against law make me very upset.
I have paid this account in full, and have made multiple attempts to get a letter stating that I no longer have a balance on the account. They continuously make requests to send the letter, however I have not receive it. My lender also attempted to get a letter, because I need this letter in order to get a mortgage loan approved. I have exhausted all of my resources and they are not helping. I was originally told that I would receive a letter stating that I had paid the account in full, no later than 20 days. it is now over that time period and I have not received it. They are not sending the letter. I have asked to have it sent via e-mail as well as fax and neither has been sent.
Service was being interrupted for 3 months and they didnt know why and they couldnt find why. I was not on contract and was paying for 3 months with no service. I told them to cancel the service and they where supposed to do so and they didnt,
I leased a living room suit from Conns, I was victim of tornado disaster in XXXX 2016 which all the furniture was destroyed. Conns have called my phone at lease 5 times a day from more than XXXX different phone numbers. I have sent cease communication notice since they have placed it on my credit report as charge off. Conns is very harassing, they call my phone over and over daily from many different numbers. They have claimed that they will come get furniture but I have advised them it was destroyed in fire, they will not quit calling harassing me.
A business associate who also lives in Georgia earned a commission and on the memo line of the online bill pay I wrote the name of the client for whom the commission was earned. The XXXX of XXXX XXXX XXXX department of Chase Bank flagged the transaction on XX/XX/18. The amount of the payment is {$8800.00} and the funds have been suspend for over a month now. The XXXX department is requested personal information on the person listed in the memo line full name ( first, middle and last ), the date of birth ( mm/dd/yyyy ) and place of birth for XXXX XXXX I don't have access to this information and it's none of my business. 

I've escalated this from the online baking department to the branch to the branch escalation department to the executive office to the manager of the executive office and there has no progress. I've XXXX filed a complaint with XXXX and they haven't responded. I've contacted an attorney and he says I have no rights. I've contacted the office of my XXXX who's on the XXXX XXXX XXXX and they have responded. 

I need help resolving this matter and getting these funds back. Please assist me.
Resurgent Capital Services bought this item from XXXX XXXX on XX/XX/2016. This account is still showing open on my credit report. It is included in my bankruptcy case number XXXX in the southeastern district of Michigan
I was not advised of the high interest at the beginning. I borrowed {$620.00} and have paid {$1300.00} dollars so far and headed toward {$3000.00} to pay back
I opened a Citibank interest checking and Citi Savings account on XX/XX/18 that included a promotional bonus offer ( offer code XXXX ). The terms of the offer were : Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds into the new checking and/or savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 consecutive calendar days. 
Get {$400.00} deposited to your account. 

On XX/XX/18, I deposited {$15000.00} into my Citibank accounts ( {$2000.00} in my interest checking account and {$13000.00} in my savings account ) fulfilling the first requirement. 
I maintained the {$15000.00} balance for 86 days, or until XX/XX/18, fulfilling the second requirement. 
Therefore, both requirements were met on XX/XX/18 ( 60 days after depositing the {$15000.00} ). It has now been 95 days since meeting those requirements, which is beyond Citibank 's terms. Those terms state they will pay the bonus within 90 days after all requirements are met : " you can earn a {$400.00} Cash Bonus which will be credited to your new Eligible Checking Account within ninety ( 90 ) calendar days from the date you complete all required activities ''
On XXXX XXXX, I transferred {$4900.00} in BTC ( bitcoin ) from my secure wallet to my Coinbase Account. This transaction is still pending 9 days later and Coin Base will not reply to any support tickets I create concerning this problem. Additionally, when I click view transaction on Coin Base 's website, there is a message saying that the transaction hash can not be found. 

I would like a member of the Coin Base support staff to either correct this issue or contact me in order to have it corrected. 

Thanks
i got 1099-int form for {$300.00} from citi for the year XXXX but i never had an account with them in XXXX. i had it in XXXX and i had already paid the tax on the {$300.00} interest for the tax year XXXX. i am shocked as to why citi sent me the form for XXXX. 

i called the citi banking number and the agent on the phone said to ignore it. i then argued that if i ignore, irs will come after me for not paying tax. he then asked for all my information and said the information does not match and suggested me to go to a bank location which is 100 miles from me instead of trying to help. he was reckless/careless/irresponsible/unprofessional.
I had three unauthorized debits from the checking account I share with my wife : XX/XX/2018 ( tran date XX/XX/2018 ) : {$31.00} - XXXX # XXXX - XXXX, IL XX/XX/2018 ( tran date XX/XX/2018 ) : {$76.00} - XXXX XXXX # XXXX - XXXX XXXX XXXX, IL XX/XX/2018 ( tran date XX/XX/2018 ) : {$110.00} - XXXX # XXXX - XXXX, IL On the date in question ( XX/XX/2018 ) both my wife and I were working in downtown XXXX. On the weekend prior, we had taken a trip to XXXX XXXX, WI. 
It is my theory that my debit card was skimmed at a gas station on the way to or on the way back from this trip. Possible gas stations include : XXXX # XXXX XXXX XXXX IL XXXX XXXX XXXX WI Although I can't say for sure, I suspect the XXXX in XXXX, IL as one can easily draw a line from there to the three merchants in question. 
( see map : XXXX XXXX XXXXXXXX ) On XX/XX/2018 I reported these transactions to the Chase Customer Claims Department ( claim number XXXX ). They canceled my debit card, issued a new one, and issued a temporary credit on my account while they researched the issue. 

On XX/XX/XXXX, Chase issued an update. They decided that the items reported did not require correction and that the temporary credit on my account would be removed. 
At this point, I called the Customer Claims Department, expressed that this was unacceptable and asked that they reopen the claim. I was told that the reason for their finding was that the merchants in question were close to my place of residence ( XXXX County / XXXX ). I explained that I was working downtown on the date in question, that these transactions were all in different suburbs, and put forth the hypothesis explained above. They said they would get back to me with their new finding. 

On XX/XX/XXXX, Chase issued an update stating that the transactions I disputed would remain on my account, having determined that they were valid.
Automotive Management Amount owed {$350.00} Installment My Identity information has previously been compromised and used to open several accounts without my permission. This is just one of them. 

This is a Fraudulent Account.
I applied for credit through XXXX XXXX online. Received a denial letter. Called XXXX and was told they denied me because they could not access my credit due to a " Gobal freeze ''. I called Equifax , they claim there is no freeze on my credit report. I called XXXX and XXXX also. Both state no freeze, however, XXXX is not able to access my credit report.
In late XXXX, my family suffered a loss of income due to a change at my employer leading to a reduction in hours I spent doing side jobs. 
In late XXXX, Bank of America advised our line of credit mortgage payment would increase from $ XXXX/mo to $ XXXX/mo. This substantial increase in required payment, coupled with roughly a 30 % reduction in income resulted in a hardship. 
We contacted BofA and started the loan modification process. In XX/XX/XXXX I inquired into the loan mod status and was advised that the modification request was denied and closed. The representative could not tell me why. We reopened the case and began resubmitting documents. 
In roughly XXXX or XXXX of XXXX, we received notice that we had been approved for a modification. Bank of America was allowing us to make payments of $ XXXX/mo for three months to get caught up on our past due line of credit payments. If we could not afford $ XXXX/mo, how could we afford $ XXXX/mo? I contacted our customer relationship manager at that time and asked if there were any long term modifications available after the three month trial period where our payment had gone from {$180.00}, to {$580.00}, to {$1600.00}. I was told at that time that Bank of America had no programs available for our situation where the bank held only the second mortgage on the home and not the first mortgage ( XXXX services the first mortgage, Bank of America had sold or transferred the mortgage to XXXX within the previous year ). Had Bank of America told us from the start that our situation ( XXXX note held by another bank, only XXXX note was held by BofA ) did not fit their criteria, we would have taken a different route, XXXX that would have allowed us to refinance some time in the near future ( we have a short sale on our credit within the last year and were told that made us ineligible to refinance with Bank of America or any other lender at that time ). Unfortunately, we believed Bank of America would be modifying our loan and had become behind in payments at this point. Our credit suffered and we were more stuck than we were before.
XXXX XXXX XXXX is reporting {$570.00} medical debt, without providing the proper proof which validates the alleged debt.
I didn't give Authorization / Authorize too open accounts / pull and/or use my credit too open new accounts ( Identity Theft Victim - XXXX Data Breach ) ... XXXX XXXX XXXX XXXX :XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX :XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018( Fraudulent Account )
Sallie Mae makes it difficult to apply my extra payments against the highest interest loan. I have complied with their rule to send instructions with each payment. I send a separate piece of paper with instructions on how I want my payment applied but now they are not following my instructions. Their toll free customer service line puts you into a recording that does not give you the option to speak about billing problems. I only got an alternate contact number by choosing the option to apply for a new loan. The new contact number is only open from XXXX - XXXX. I feel that Sallie Mae is playing games so that people will give up on having extra payments applied to the higher interest loans.
Complaint/Consumer Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXXXXXXXXXX Business Information JPMorgan Chase & Co . 
XXXX XXXX XXXX XXXX, NY XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Customer Service Issues Problem description : I have attempted to contact the company for about a month in regards to a dispute. I have used their secure message center like it is supposed to be used. However, every message that I send is responded back with the SAME EXACT response as the one before and they do not answer any of the questions.
I SENT IN THESE LETTERS FROM EACH CREDITOR, DIRECTLY TO EXPERIAN, IN ONE BIG ENVELOPE, THE CREDITORS HAVE ADMITTED TO MAKING ERRORS ON MY REPORT. THE FALSE INQUIRIES WERE SUPPOSE TO HAVE BEEN REMOVED BY NOW AND THEY NEVER HAVE. ITS BEEN WAY OVER 30DAYS NOW.
I went to buy a car at XXXX XXXX about 8 days ago. Now I have purchased several cars in my past and after my report gets pulled several lenders look at the report but it only gets pulled XXXX. Well I check my report extensively and they did XXXX hard inquiries on my credit. The last time I went to XXXX XXXX XXXX 6 months ago to buy my last car it got pulled XXXX time only but I got several offers. This is beyond unacceptable as this now hurts my credit for 2 years plus. This can not be right to do to someone as they just kept repeated to pull my credit???
On XXXX/XXXX/17, I attempted to verify the status of a security freeze I have with TransUnion. I made 3 attempts to reach the Fraud Department, after the main customer service line told me I had to inquire through them. There is no option to check the status of an existing freeze without speaking with an agent. Each time I entered my case file number, I was either transferred to a line with a busy signal, or put on hold for about 5 minutes, then told by a recording to call back again later. 

I just want CFPB to know that TransUnion does not seem to have the capacity to be dealing with customers effectively who call on the phone. It was especially unnerving not to be able to get through to an agent in the Fraud department.
Subsequently, I have been able to go to freeze.transunion.com and find my freeze status there. This is a different website than I was given at the time I instituted the freeze. The other website still comes up, transunion.com/XXXX, but even after logging in, that website tells you it ca n't complete any action you try because of increased activity due to the XXXX hack.
I tried to get my credit report from TransUnion. I was not shown a bill ; however, I was billed upon being shown my credit report for " credit monitoring ''. I emphasize that no bill was shown or available, and thus the charge is fraudulent.
Contacted XXXX Fraud Management to dispute cell phone account # for amount of XXXX XXXX XXXX XXXX. Company took my info and said it would be marked as fraudulent. checking credit report today XXXX XXXX XXXX and there is a collection opened XXXX XXXX, XXXX ( 4 months ) showing this XXXX account in collection by a collections company XXXX XXXX XXXX. There is no coverage in my area for XXXX cell service. I have been in my home since XXXX XXXX XXXX and I use XXXX and XXXX service for the last 20years. Seems as if the Credit company and the collections company should do a better job at verifying info before posting it to your credit file.