WillisBack/dataset-financial-user-claim huggingface dataset:
Today is XX/XX/2016 After me receiving my direct deposit on XX/XX/XXXX, I submitted all of my checks and ach deposits for payment only learning as of today Chase closed my account, when asked why they explained to me they did not have to supply reason only leaving me to now ask them for enough money to survive until they were to send me my remainder money through mail in ten of fourteen days. Well while I talked them into at least giving me {$1000.00} the remainder {$1200.00} will not be distributed to me until 10 to 14 days in a check in which this has cause me great hardship in getting my bills paid on time and without late fee or penalty. I want to complain the fact they closed my account without providing me proper notice of a closer and the fact they cause me insulting inconsolable inconvenience and an embarrassment state of closing my account.
This is my second attempt to remove a tax lien from the Ohio attorney general that appears on my credit report. EQUIFAX is refusing to remove the tax lien from my credit report. Expungement/cancellation documentation regarding the removal of the tax lien was sent to EQUIFAX by the Ohio attorney general on  XXXX ,  XXXX ,  2017 . I reached out to EQUIFAX on  XXXX   XXXX ,  2017  to inquire as to why the tax lien has not been removed. An agent over the phone indicated that they have no record of the withdrawal letter that was sent by the state of Ohio. ( Lies ) Furthermore, I have had many problems with EQUIFAX regarding the removal of inaccurate information on my credit report. This lien needs to be removed from my credit report immediately.
I went on line and had my cash rewards sent to me by check. I was informed that it would take 10 to 14 days to receive it. I never got it. I called CITI and the person put a stop on the check and supposedly issued a second check and sent it off to me. After two weeks I never got that check either. Called in again and the person put a stop on that check as well and told me that I had a problem on receiving my mail. I told him my mailbox is locked shut and no one but myself is opening the mailbox and all my other mail is making the trip to my mailbox just fine. He then told me that he was going to restore my cash rewards to my account and that I should go online and have it transferred electronically to my bank account. He said it would take two days to post. After four days my cash rewards has NOT been restored. I 'm now convinced that CITI never sent the check in the first place and I 'm now getting the classic runaround.
I opened an a new savings account ( a check for {$2400.00} ) at Citibank with the branch manager - XXXX XXXX on XX/XX/XXXX. The branch is located at XXXX XXXX XXXX, XXXX XXXX, NY. ( I have a copy of the deposit slip and cancelled check. ) I have other accounts with Citibank for many years. In XX/XX/XXXX, I realized I had not gotten any statements from the bank on this account and I went to see Mr. XXXX. He said he had no record of the account and said he would investigate it. In XX/XX/XXXX I  stopped in the bank, and Mr. XXXX said I should have gotten correspondence saying it was being investigated. I never received correspondence. On XX/XX/XXXX, I went to the Citibank branch on XXXX XXXX XXXX and was told that I should speak to the branch manager at XXXX XXXX XXXX. I have made numerous calls to Citibank and get transferred to various people who do not help me. On XX/XX/XXXX, I was told that a case research XXXX XXXX ( Executive Response Unit at Citibank ) was going to investigate and to call in a week to 10 days. I called on Monday XX/XX/XXXX and today XX/XX/XXXX and left messages. He does not return my calls. I went to the XXXX XXXX XXXX Citibank today and was told that my funds must have been turned over as unclaimed property, but they have no record of this. I called today and spoke to Client Relations at  Citibank and they finally opened a case ( # XXXX ).  Client Relations said that the Executive Response Unit had  closed the case without any explanation.
I received a letter back from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. The letter indicated that I didn't not provide the requested documentation which was a police report. As of XX/XX/XXXX, I have submitted a copy of the police via certified mail. The certified mail tracking number is XXXX XXXX XXXX XXXX XXXX. A copy of the certified mail receipt is included with this correspondence. The police report is dated XX/XX/XXXX. To date, I have not gotten a response back from XXXX XXXX.
I prepaid the property taxes at the end of XXXX for the due date of XX/XX/XXXX. I notified the bank in XX/XX/XXXX about this payment. They verified the tax payment in XXXX of XXXX. Based upon the projected tax assessment for XXXX, US Bank increased my payment slightly to account for their estimated escrow shortfall. Meanwhile, I have been making mortgage payments to include escrow for taxes already paid. 
My XXXX mortgage payment was made on time, but due to the shortfall it was put in suspense and I was assessed a charge of {$170.00} for a shortfall of {$27.00}. 
I called the customer service department on XX/XX/XXXX. After a lengthy conversation and contact with their tax department it was determined that my escrow account has an overage of over {$6000.00}. They also stated that they only review escrow analysis once a year and since this was done before verification of my tax payment, it would not be reviewed again until next year. In effect I am overpaying for my escrow, but since it is not correctly accounted for, it appears my automatic payments are short. I will be adjusting my auto payment to match their current statement amount. I am extremely concerned that the bank which is not monitoring my escrow account properly has found a way to increase my payment and then charge me a late fee of 600 % of the incorrectly calculated shortage. In fact, the customer service XXXX indicated that the only reason they are looking at my escrow and are now processing a refund is due to my call.
Bull City Financial needs to be removed from all three of my credit reports. When I call the phone number to try and resove the dispute, the company never has agents available. It does give you the opportunity to pay your bill through the automatic phone system, if you have an 8 digit code ( which I do n't because I was never sent a letter or certified mail regarding this debt ). No humans can be found to take your call. ( XXXX ) XXXX this is the number, I find it hard to believe that the credit reporting agency can verify this debt when I ca n't even speak to a person. This debt is through XXXX XXXX, and it was assigned to my ex in our divorce decree.
On Friday, XXXX XXXX, my husband cashed a T-check inside a Bank of America Branch in XXXX, TX ( XXXX XXXX XXXX ). The T-check was in the amount of {$720.00}. He cashed the check and deposited {$500.00} into his business account receiving a cash back of {$220.00}. He received his deposit slip of {$500.00}. 

On Saturday, XXXX XXXX, we noticed that the business account was lower than expected. When we opened the account, we noticed that the bank logged a " customer withdrawal image '' of - {$500.00}. My husband immediately called the bank and receive no answer. He called for approximately 30 minutes with no answer. I went up to the bank and spoke to the branch manager about the issue. He pulled the account and saw the issue. He stated that the bank will have to investigate to see what happened and that it will take 24-48 hours. I informed The manager that we had other transactions expected with the business account. He stated that it will still take 24-48 to investigate the issue. 
Meanwhile, my husband spoke to the online customer support who stated that they are not sure what was happening with the account but the branch should be able to assist. 

On Monday, XXXX XXXX, I called the branch. No response. I called the customer service rep and he attempted to assist with the situation. After nearly 50 minutes investigating the issue with his superiors, the customer service rep informed me that they see that there is a problem but only the branch can explain what is going on. Again, I went to the branch at XXXX XXXX and spoke to the Branch Manager who stated that they were still investigating and that the process could not be rushed. I informed him that our account will be overdrawn due to some automated drafts at the beginning of each month. He stated " If it is our fault, we will refund the account ''. I told him " do you not see how inconvenience this is for your customers? '' He stated that he understood and that they will look into it. I also told him that not answering the phones was inappropriate. His response, " sometimes we are not able to get to the phones ''. 

On Tuesday, XXXX XXXX, my husband ( who was already driving OTR ) informed me that the business account was overdrawn by - {$370.00}. This is negatively impacting our account as well as limiting what my husband can do while he is out over the road. I called the branch again, no answer. 

I called the automated Bank of America system again. I was supposed to get a call back within 15 minutes. After 45 minutes, no one has called. I called again and the automated system stated that someone will contact me within 1 hour and 15 minutes or I can hold for 1 hour and 15 minutes. 

Before we close our business account with Bank of America We are needing this issue resolved asap. 

I have hard copy documentation of T-check, deposit slip and bank statement
I attempted to contact TransUnion about an alleged debt that was reported on my credit report, unfortunately, i have had no success. the company " online information services '' that reported the alleged debt is not licensed with Florida office of financial regulations to collect debt in the state of Florida on behalf of any company. which is a violation.
The information given to me when I originally was offered the loan, that I would be charged {$100.00} finance fee with a {$300.00} loan. The information was misleading and I have been charged {$100.00} for the past four months and nothing has gone to the initial balance. When you log onto your account, they do not show your payment history or balance owed. I had to call and talk to XXXX different people before I got a straight answer. Now they are offering me to settle my account but still pay way over the amount I originally was led to believe. I requested to get written documentation of the original agreement and was sent a spreadsheet of interest fees that did n't match up to my loan and had no account number or name included.
Re : Acct # XXXX To Whom It May Concern : I recently pulled my credit report from XXXX, XXXX and XXXX and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with XXXX, XXXX and XXXX and the results of the investigation came back as " verified ''. I did not have an account with " XXXX XXXX '' during this time period. Since I have disputed the account with the credit bureaus, and you have verified them, I would like to see what sort of records you have for this alleged account. Under the new FACTA laws, you are required to conduct an investigation on this account, and I am now requesting it. I will seek legal action under FCRA 623 ( b ) for violations of the FCRA if you do not comply and respond to me with the results of the investigation within 30 days of your receipt of this letter. In order to clear up this matter, I would like to see, a signed contract showing me that I indeed had an account with your company. If you do n't respond with the results of the investigation ( as is required per the FCRA ), I will assume you have no documentation and therefore you were negligent in providing the credit bureaus with accurate information. At this point, you would also be in violation of the FCRA merely for not responding within the 30day period. To avoid a lawsuit, I request that you remove the account from my credit report. Please delete this listing or I will be forced to seek legal action. Sincerely, XXXX XXXX
XXXX XXXX XXXX Account # XXXX Please delete this on my report because I am only an authorized user. 
Please update my credit report and score.
I am a victim of ID theft from several years ago. I need to unlock my credit for XXXX hrs. to get an apartment for my son to go to college. Equifax now ( did not do in past ) says if you want your credit unlocked immediately you must go online and pay through their website. If I use an agent ( free ) it could take XXXX business days. The problem is the apartment complex can not take the time to check my credit every day for XXXX or more days. This is an intentional effort to create a very inconvenient situation so that a person will pay to get it done in a timely manner. They are trying to thwart the law. I can only imaging how many honest ID theft victims have fallen for this scam from a company that is supposed to protect us from it. 

Thank you very much. 
XXXX XXXX
I 'm been disputing XXXX hospital bills that showed up on my credit report from a very shady collection agency named XXXX out of XXXX XXXX CA. I 've dealt with this company for over a year. They had an incorrect social security number as well as address and other information. I was able to get XXXX and XXXX to remove the information as they confirmed it was incorrect. However Experian was difficult to deal with. I called them several times, they confirmed the info was incorrect that the collection company and even told me they would remove it yet they did not. I called them last week, XX/XX/XXXX, FOUR times until finally a representative from Experian came back on the line after having me on hold for 15 min and told me the collection company wanted to talk to me. I told her I already dealt with them and they we 're very, very nasty and refused to accept this was not my account despite sending them information. None the less she came back on the line and said the collection company refused to proceed without talking to me. She also said she would be right on the line with me and I just had to answer questions. I begrudgingly did this and as I suspected the representative from the collection company was rude, condescending and put me on hold because I " was not behaving. '' Once he came back I gave him the information he requested however the representative from Experian did not tell me that the numbers on my social security number that we 're incorrect where the last XXXX numbers. The agent from the collection company asked me the last XXXX of my social, I gave it to him and the minute I did so the agent said " thank you thats all I needed, we 'll be in contact '' and hung up. Experian did not help me remove this item as they should have, they made it so this criminal company now has access to my info. I want Experian to be held responsible for this and I want these XXXX false reports from XXXX removed.
I have never contacted New Day USA for any reason. I continue to receive their deceptive mortgage offers. I have asked them to stop sending me mail and they continue to send me mail.
Hello. My name is  XXXX   XXXX  and I was repeatedly contacted by The Hamilton Law Association,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , FL  XXXX . Phone  XXXX , email address :  XXXX  XXXX  XXXX , website : www.myhamiltonlaw.com regarding a debt that is more tha n 10 years old. The original creditor was  XXXX  and the   account had a balance of {$18000.00}, account number  XXXX .     I was contacted in  XX/XX/XXXX  and was told tha t Hamilton Law had a lawsuit ready to file against me regardin g this matter. They offered to settle the matter for {$7800.00} but gave me less tha n 24 hours  to come up with the money.     The money was paid to  Hamilton Law  so they would not sue me and take me to court. I was afraid of the threats they were making regarding filing suit and how I would pay for the money owed.     I suffered a   XXXX   XXXX   in  XX/XX/XXXX  and earn significantly less than I used to. I can not afford to the funds paid. I now work for  XXXX   XXXX   XXXX   XXXX    XXXX   and the more I continue to think about this matter, I feel like I was coerced into paying money that I do n't have and feared about the concequences.
The purpose of this letter is to formally request a settlement for the medical bills I owe your hospital. I regret that I am unable to pay the bill in full at this time because my monthly income has been greatly reduced.
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXXXXXX XXXX  and XXXX XXXXonsumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the XXXX XXXX District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for  accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

XXXX. ) Phoenix Financial Service, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
My issue is with a car lease. The car was not repossessed. It was surrendered because of a very serious safety issue with the car. The company did not resolve the issue in a timely manner. My son had to drive the unsafe vehicle back to the original dealer, which was an hour of driving the vehicle. His life was at risk driving this unsafe vehicle. No loan car provided. XXXX resolution center was of no value in helping us resolve this issue. Weeks of talking to representatives, opened a case with XXXX. The facts were not correct on the report on their behalf. The worst service I have ever had. XXXX leased a car to me after the fact without a problem. Also just paid a lease off for my XXXX. My credit is excellent and this unfortunate issue of " safety '' is hurting my credit.
XXXX  is reporting a Public Record that do not belong to me. I have made many attempts to get this situation rectified. I need your help in getting this Public Record removed from my credit profile. 

Also, there the XXXX XXXX XXXX address do not now nor in the past belong to me. Please remove this address from my credit profile.
In XXXX 2016, I opened a checking account with Fifth Third bank. Once the account was setup, I used the mobile deposit app on my smartphone to deposit XXXX money orders. A few days later, I lost online access and I received a letter in the mail stating that the Money Orders were fraudulent. 

I was able to deposit the same money orders with XXXX XXXX XXXX. 

Earlier this month, I applied for a Fifth Third Credit card and was approved. I wanted to have online access to the account so I can manage the account and pay online. Security & Fraud department of Fifth Third Bank would not allow me to have access online because my account is locked because of the issue above with the Money Orders. 

I was told to contact my local branch and they might be able to request an over ride with the Fraud Department. Local bank requested they need to contact XXXX XXXX to verify the Money Orders are valid. XXXX XXXX said Fifth Third Bank needs to make a conference call with me on the line. 

I have not heard from Fifth Third Bank regarding the conference call with XXXX XXXX.
I have several retail accounts which have been sold to or serviced by Synchrony Bank. During the last six months, Synchrony Bank has lowered my credit limit with each account ; however, all accounts were paid prior to the due date and payments exceeded the amount due each month. By lowering my credit limit, Synchrony Bank adversely affected my credit score with the XXXX major credit reporting bureaus. Synchrony Bank has either filed hard inquiries or reported lower credit limits during six of the last eight months. Synchrony Bank has NO JUSTIFICATION in conducting these monthly credit inquiries. These repetitive inquiries are unjust, unnecessary, and adversely affecting my credit score ; therefore, I demand that SYNCHRONY BANK discontinue its discriminatory practice of unjustly submitting information resulting in the unjust and adverse lowering of my credit scores with the major credit reporting agencies.
My XXXX son has a not so new cell phone. Apparently the person who previously had that cell phone number owes money to someone. Today, a third debt collector called my son 's phone in an attempt to collect the prior person 's debt. We have informed both prior debt collectors that the phone number they were calling is that of a minor. While that may have stopped that debt collector, that had not stopped debt collections directed at my son, who is not the debtor, and who it is illegal for the debt collectors to call. 

The issue that I think the CFPB needs to address is how to stop this marry-go-round of illegal activity. There does not appear to be any duty of the debt collector to report to the creditor that the phone number associated with the account is bad. Likewise, there is nothing to prevent the creditor from asking a new debt collector from making an improper phone call to a minor to collect a debt the minor does not owe. 

In addition, as with happened with prior debt collectors calling my son, it is not so easy to get them to stop. When I told the agent that they had called the wrong person and had called a minor 's cell phone, she told me that they would take his number out of their system within two or three days. When I objected, I was connected to a supervisor who agreed to stop them from calling that number immediately. 

I then asked the supervisor to please send a letter of apology to my son. My thought is that after someone violates a federal law, the least they could do is appologize. The manager said he would say he was sorry on the phone to my son, but he refused to send a letter of applogy. 

One last thing, we live in XXXX, which requires that debt collectors have a special business license. While this debt collector claims to be located in XXXX, they used a XXXX telephone number to contact my son, and appear to be transacting business in XXXX. The supervisor informed me that his company does not hold the appropriate XXXX business license. As such, It think they should also be reprimanded for doing business in areas they are not licensed to act.
*I have applied for credit, last fall 2014, and was denied because Equifax claims they do not have any record of me. ( XXXX XXXX and XXXX both do. ) * ( Prior to this, in the summer, I mailed a copy of my driver 's license and a utility bill to verify my identity. ) *Since that time I have attempted XXXX other times, via automated telephone systems, to obtain my free annual, and each time have not received anything. 
*The last time, online ( today -- according to their personal verification system ) I was prompted to select from a list the bank that holds my mortgage. I do n't have a mortgage. 
*I hope for a response soon as I am left with no other recourse.