WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX - Dispute was filed XX/XX/XXXX - Merchant responded with incomplete data ( missing proof ) XX/XX/XXXX - I responded wth a seven page response showing : What was expected and what was received. Also included correspondence with the merchant. 
XX/XX/XXXX - City investigators responded and asked for proof the merchant said he would refund me XX/XX/XXXX - Citi re-opened the investigation and told me to call back in a week XX/XX/XXXX - Called back to citi. There is no update on the investigation. Told to withhold payment until investigation could be resolved. 
XXXX - Called back to citi. Dispute representative acknowledged that the merchant did not provide the service. She said there is nothing she can do and that there were no supervisors available. 
XXXX - Called back 15 minutes later. Spoke to supervisor -- a work request is issued and a {$100.00} courtesy credit is given. 
XX/XX/XXXX - Called back to citi. Still no word about the work request. Supervisor acknowledges that the dealing given by Regulation Z is in 3 days and that they will miss it. 


The dispute has been going on for over 2 months and more than two billing cycles. Resolution does not seem like it is approaching. A legal demand has been issued to Citi to deliver the investigative information and refund the charges.
On or about XX/XX/XXXX, the servicer for collection of my mortgage payment with XXXX XXXX XXXX was changed from XXXX XXXX to LoanCare. On XX/XX/XXXX, I submitted a request that they take the payment from my checking account automatically ( as it had been with XXXX ). By XX/XX/XXXX, the payment had not been taken out of my account, so I contacted them, as I had also received a bill for my property taxes and was not sure that they were going to pay it. They said that they had not received the authorization in enough time to take out the payment and that the automatic payments would not begin until XX/XX/XXXX. On XX/XX/XXXX, I went into their payment by phone option and made a payment. They took out the payment by phone and the automatic transaction - taking out 2 payments. This put my checking account at - {$840.00} - I contacted them and they hung up on me ( I admit I was very distraught that they had done this to my account as I had other transactions that were going to be hitting as well ). My bank charged me {$36.00} for overdraft feel. My employer advanced me {$1000.00} to cover the amounts that were scheduled to come out of my account. On XX/XX/XXXX, I  emailed a letter IMMEDIATELY REVOKING their authorization to take the money from my account. On XX/XX/XXXX, they withdrew {$950.00} for the mortgage payment. I had written a check to my employer repaying the {$1000.00} loan from XX/XX/XXXX. I have been hung up on so I can not bring myself to contact them. I request that the unauthorized XX/XX/XXXX payment be refunded to my checking account. I also request that they repay me the {$36.00} overdraft fee that I was charged by my bank. I am a single income homeowner and have to be very careful with my finances and this has brought me to the point that I am having panic attacks. I am also unable to properly function at my job.
XXXX XXXX bought a old cc debt in XX/XX/2012 now they sold it to XXXX XXXX & they hired a attorney XXXX XXXX XXXX XXXX the thing about is it is out of statu in the state of Arkansas
To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit report contains late payments on my Capital One account. 
I want you to know that I understand my financial obligations, and if it were n't for my job cutting my pay then I would have been able to make full payments instead of partial payments. I 'd have an excellent repayment record. I made a mistake in falling behind, but since then, I have received a pay raise and will be able to pay on time every month. 
I 'm planning to apply for a mortgage loan and it 's come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it does n't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment fees. 
Thank you for your consideration, and I hope you 'll approve my request. 
Best, XXXX XXXX XXXX
I would 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 and other furnished XXXX XXXX, XXXX XXXX, Innovis 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 Act, you are required to comply. My name is XXXX XXXX please remove any other variation of my name. I have several addresses that appear that are not mine please delete the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX These are not my phone numbers or work numbers please delete they do not belong to me : ( 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 been trying to deal with Experian going on 54 days where I have called MULTIPLE times and have been left holding for up to XXXX hours and XXXX mins and then the phone just hangs up or in situations where I am currently on hold as I am writing this complaint once I reach someone they say they are going to transfer me to the right department and then I am left on hold again. I am currently speaking to XXXX XXXX ID # ) who indicated : that they have the FTC complaints and police report, yet they do n't have the information from XXXX Bank and that she would try to get them on the phone. Now seeing as it took me almost 3 months to get them to provide the information correctly its not a surprise that capital bank now has no records of the form that was sent to me on their letterhead indicating that they were as a system error. So Experian is trying to make it seem as though they have done their job which they have n't The issue is that I have not only mailed, faxed and uploaded the documentation showing that the collection account on my report is fraudulent and should be deleted/removed but also there is a revolving credit account XXXX capital bank ) that has ( XXXX ) XXXX late indicators present that should based on documentation sent to their office. Yet after 30 days the information was not corrected, I resubmitted the documentation a total of 3 times and we are approaching 60 days more than double the required timeframe under the FCRA and yet my report still has the inaccurate information present. I have spoken to various reps and supervisors that have indicated the documentation I sent was being reviewed and that the accounts would be updated. Yet here we are and it still has n't been corrected. This will be the last attempt before I file suit against Experian for FCRA violations and seek damages, as I am currently suing XXXX for not only the security breach but the same issue.
On XX/XX/2018 I sent Certified Mail and Return Receipt requesting physical verification of the original signed consumer contract under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Today as of XX/XX/2018 they have failed to positively verify my request.

Santander Consumer USA, in the amount of {$10000.00}
I recently moved to California and was in the process of switching to a new Credit Card. I called to cancel my XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was under the impression it was canceled. However, it was not and there was still a XXXX $ balance on the statement that went unpaid for 60 days. This severely hurt my credit and since I had moved to a new address the mail had not reached me in time to pay this on time. I have now paid all debts and closed all XXXX XXXX accounts. 

I have NEVER missed a credit card payment until now and as a result all of the " Big Three '' credit bureaus have lowered my credit score by 123 points which has not put me at a " fair '' rating. I view this as highly unfair and furthermore it makes the process of buying a house in my new city extremely more complex. 

I would like to understand what my options are to fix this since I have maintained a pristine credit report up until this time. 

Best, XXXX XXXX
I have been constantly receiving phone calls from a company called national credit adjusters trying to collect money from me. I have never heard of this company until a few weeks ago. They are calling me from a ( XXXX ) XXXX number and also from a ( XXXX  ) XXXX number. They have called me late in the evening on some occasions and won't stop even when you ask them too. On XX/XX/2018 they called my phone at XXXXXXXX XXXX and woke my husband up. He has to get up for work at XXXXXXXX XXXX and this company feels they can call you all times of the day and night! I have never owed them and i will not pay them XXXX dime of my money! These harassing phone calls started on XX/XX/2018 at XXXXXXXX XXXX I asked them to provide me with proof that i owe them and they didn't provide a contract with my signature showing I'm obligated to pay them when I've never heard of them.
Please have the following items remove from my report they do not belong to me. 
Company : XXXX Account:XXXX Company : XXXX Account:XXXX Company : XXXX XXXX XXXX Account:XXXX Company : XXXX XXXX XXXX   Account:XXXX Company XXXX XXXX XXXX XXXX Account:XXXX Amount : XXXX
I recently pulled my credit report from XXXX  and XXXX and to my amazement, saw that you recently have decided to report me 30 days late on this account in XX/XX/2019. I have previous credit reports from both agencies pulled on today XX/XX/2019, and neither one of these reports show me late in XX/XX/2019. Not only was I never late on this account, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I contacted your company and talked to a supervisor ( XXXX XXXX  direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. She promised to send me a payment history of my account. I never received such documentation. The results of my XXXX dispute and my XXXX  dispute have just come in, and both say verified. How is this possible? You werent able to provide me with anything. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for  reporting inaccurately.
Equifax is reporting inquires on my credit file that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
All of the above. They were previously required to not contact me by phone. They have contacted people we know, employers, landlords even before initiating contact with us. They ask questions of minor children, talk to whomever answers our phone and ask for work phone numbers. Tell people it is debt collection and threatened me personally with regard to " digging into my personal background and history no matter what length ''.
THIS DEBT IS FROM 2008, ALMOST 9 YEARS OLD, AND IS BEING REPACKAGED AND SOLD TO FINEX GROUP ( A COLLECTION AGENCY ) AS A NEW DEBT. IT 'S BEING REPORTED TO THE CREDIT BUREAUS AS CURRENT. THE ACCOUNT NUMBER IS XXXX.
I was contacted by Ace Express regarding an old loan. They threatened to remove the funds directly from my employer, and or to file a lawsuit. They were very aggressive and used scare tactics to get me to pay the loan I had in full. They called several times prior to me making the payment. I made the full payment of {$320.00} on XX/XX/2018.
I have several reccuring inquiries for XXXX on my TransUnion report that I have not done and do not recognize. 

3 inquiries from XXXX on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 1 inquiry from XXXX on : XX/XX/XXXX XX/XX/XXXX
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 thXXXX XXXX Experian and XXXX  consumer 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 United States 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. 

1. ) XXXX XXXX, account number XXXX ; 2. )  XXXX XXXX, account number XXXX ; 3. )  XXXX, account number XXXX ; 4. ) XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX XXXX, account number XXXX 6. ) XXXX XXXX, account number XXXX ; 7. ) XXXX XXXX XXXX, account number XXXX ; 8. ) XXXX XXXX account number XXXX ; 9. ) XXXX XXXX, 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.
In XXXX I opened a XXXX credit card account with Capital One under the condition that I will not be personally responsible for that credit card in any way. In XXXX, Capital One decided to report their small XXXX accounts to the consumer credit reporting agencies in violation of our agreement a year earlier. I have requested several times that they remove any reporting that has been made on my personal credit, but they continually keep reporting it. I have requested several times from Capital One to provide me with documentation showing that I authorized myself to be obligated to pay for the XXXX credit card or personally guarantee it, They have refused to send me any documentation. I would like to resolve this issue and request that you investigate this matter. I can send you documentation supporting my position.
Brief summary : I hired XXXX on XXXX/XXXX/15 for technical assistance and was charged {$140.00}. The service person failed to provide the solution and I spent the entire next day trying to contact her. I never could contact her and she never called back. I hired XXXX to resolve my technical issue which they determined was caused by a XXXX programming change. They resolved the issue. 
I sent email to XXXX on XXXX/XXXX/15 with my complaint and asked them to cancel my " subscription '' and refund the amount paid. My Discover Card ( Discover Financial Services or DFS ) bill dated XXXX/XXXX/15 billed me {$140.00} for XXXX. I promptly called to dispute the bill. 
On XXXX/XXXX/15 XXXX sent email to confirm that my subscription was canceled as of XXXX/XXXX/15. On XXXX/XXXX/15 DFS sent me a notice that the dispute was resolved in my favor. 
My DFS bill dated XXXX/XXXX/15 reinstated the {$140.00} XXXX charge. I called DFS to explain and complain ; on XXXX/XXXX/15 I sent requested supporting documents to DFS which they confirm having received. 
My DFS bill dated XXXX/XXXX/15 still showed the XXXX charge plus interest. I promptly called DFS to explain again. When told that they would not remove the charge, I asked them to cancel my account, which led to a transfer to a supervisor who promptly hung up on me. 
I called DFS again on XXXX/XXXX/15, explained again and was told that I had to pay. I told them I refused to pay and asked again to cancel my account, which they agreed to do. 
On XXXX/XXXX/15 XXXX sent a notice that they consider the transaction valid and would notify the credit reporting agencies of my refusal to pay the disputed charge. 

My dispute is with DFS : How can they expect me to pay a charge from XXXX that XXXX had already canceled? This is after DFS resolved the dispute in my favor and closed the investigation. This is DFS case number XXXX. I have copies of all statements and relevant documents. I will contact the credit reporting agencies to notify them that I refuse to pay XXXX for a service they did not provide and I refuse to pay DFS for failure to recognize an improper charge. I feel that DFS has abused the credit card relationship.
I was being billed for yard waste/ refuse services at a residence I no longer owned /resided at and had requested service be discontinued. XXXX, the yard waste refuse company, continued to bill me and ultimately sent the bill to collections where it was identified as delinquent and impacted my credit score. I have attached all relevant documents to show this repeated error was entirely the fault XXXX.
In 2009 my lender admits to making a mistake using an incorrect HUD-1 addendum which caused a delayed endorsement and therefore caused a negative impact on my refinance streamline options to obtain a lower interest rate with a grandfathered MIP rate. 
Although, they admit to making a mistake, they are not reconciling their error with me. 
Refer to attached documentation. I only learned about this mistake because over several years I continued to do research as to why certain refinance options were not available to me and they should have been. If this mistake happened to my loan servicing and it has not been reconciled with me, how many others are unknowingly suffering because of a similar mistake by their servicing lender?
Numerous attempts via e-mail and cell phone requesting invoice of payoff amount so I can payoff debt. Debt collection company will not submit information allowing me to payoff debt.
Initiated XXXX wire transfer on XXXX/XXXX/2016 on the Bank of America website, but the bank has initiated XXXX duplicated transactions with XXXX different duplicate fees. I have made numerous calls to the customer service over the past 45 days, but the full disputed amount has not been credited yet.
I 've mailed this collection company several letters of my XXXX and exempt for collection. The account they all about is not my obligation that of XXXX county XXXX which I had at the time of these charges were incurred
XXXX was managing this loan but moved it UTAH HIGER EDUCATION ASSISTANCE AUTHORITY ( UHEAA ) earlier this year. At the time it was moved to UHEAA, I was on deferment due to hardship. Prior to my applying and being granted deferment, my monthly payment was {$280.00} but I consistently paid {$300.00} monthly for over two years. On XXXX XXXX, 2016, UHEAA sent me a Repayment Disclosure Statement, which showed that my loan amount had ballooned in spite of the fact that I was paying a little more than my monthly repayment sum ; also, I was making payments even while I was on deferment to eliminate some of the principal and the interest that would have accrued during the period of deferment. Surprisingly, UHEAA statement did not reflect those payments. 
I am truly suspicious of what UHEAA claimed to be the balance of this loan. I had called them several times in my attempt to get answers to my questions but I have not succeeded in speaking to anybody because I am usually put on hold for AT LEAT 30 MINUTES on each occasion that I do hang up out of frustration. 
My School was University XXXX, XXXX Texas
In XXXX of XXXX we applied for a hardship loan from Citimortgage due to XXXX loss of a job and a decrease of the home value due to the recession. The loan was declined since we were not in default or imminent danger of default. We continued to pay the mortgage out of our retirement savings. From XXXX XXXX through XXXX XXXX the loan was being processed by Citi. Every week we called them for an update on the status, they continually asked us for additional paperwork, most of it duplicates from the original loan request. Over this period of time we were unable to pay on the loan thinking this would be processed in a timely manner and our interest rate would be reduced ( It was over 5 % ). Citi assured us every week that the loan was in final review. On XXXX XXXX, XXXX we received a phone call from Citi stating our loan was NOT approved, due to " Quality Control. '' We requested a written notification multiple times but never received anything from Citi. On XXXX XXXX, they sent us a payoff balance and a foreclosure date within 15 days. We had to borrow the money to avoid foreclosure. Of course our credit has been seriously damaged even though the arrears were paid and the home was eventually sold in XXXX XXXX. Because of lack of transparency and the misrepresentation of Citi we suffer financial losses and our credit is damaged.
Navient is servicing my daughters student loans. We receive on average 8-15 calls per day telling us we are late repaying our loans. Navient has auto deduct from our checking accounts so there is no possible way we are late. We pay what they told us to pay and yet we are told its not enough. My credit rating went from the high XXXX 's to low XXXX 's. Whenever we speak with a Navient rep, they argue with us and trying to turn the conversation back to us making a payment over the phone. No help from them in any form.
I contacted multiple different mortgage companies to shop around for a mortgage on our new home. I already had chase accounts so I checked with them as well, I was told that I would receive XXXX bonus points on my Chase Freedom card, XXXX points on my Chase Sapphire Preferred card and {$500.00} cash back in my checking account as a signing bonus once the mortgage closed. I was offered over {$2000.00} cash back with another local company but because I already had Chase accounts and they offered something comparable I decided to start a mortgage with them based on their offers to me. The mortgage has closed and I have now not received the full offers that were made. I received the XXXX points on my Chase Freedom card and the {$500.00} cash back in my checking but not the XXXX points on my Chase Sapphire Preferred card. I have contacted chase multiple times regarding this, have emails stating I would receive the points and have yet to receive them. I just spoke with chase resolutions and the gentlemen advised there was nothing he could do because they can only offer XXXX points to only 1 account. This is not what I was told and if I would have known this or had been told this I would NOT have gone with Chase for my mortgage. These points are equal to {$500.00} in cash back or {$500.00} X 1.5 for travel and I would not have gone with chase if I was not offered these perks. They falsely advertised and are not willing to follow through with their offers.
XXXX XXXX is reporting inaccurate information on my credit file. They are reporting a very old debt from XXXX that is over 7 years old and past the statute of limitations. This debt was charged off by XXXX on XX/XX/2010 and has been reported as bad debt on my credit report for over seven years, exceeding the statue of limitations.