WillisBack/dataset-financial-user-claim huggingface dataset:
I 've had several issues with my Credit card issued from  Citibank,  account number ending in  XXXX . In the past  two  months, I 've made a total less of  XXXX  transactions, and  XXXX  of those I had to initiate a chargeback due to the merchant not complying with a refund and cancellation request.      Citi  makes it hard to follow up on news from a chargeback.   I follow up with citi providing documentation about my dispute and send mail vi a usps   first class  .     Citi st ates they did not receive my chargeback dispute information.   Customer service is not useful and repeats that I need to follow procedure I already did.      XXXX  transactions that I disputed, and the chargeback was not in my favor were :  XXXX / XXXX / 2017  {$100.00}  XXXX   XXXX   XXXX   XXXX    XXXX   This  XXXX  I disputed because the website did not properly complete its workflow. I attempted to purchase this ticket several times and it resulted in my getting an error page on  XXXX   XXXX . I contacted  XXXX  by phone and they stated that no charge occurred, and at the time no charge was listed on citi. I also contacted citi support via chat and they said the same thing. I attempted to purchase this ticket with several credit cards from  XXXX  and  XXXX   XXXX , and they all resulted in the same error page on the website and on those different banks did not put a charge on the credit card. I initiated a dispute, and  Citi defaulted to that the merchant responded and closed.  I did not use the flight, I did not check into the flight and I was not aware the flight had book. Ultimately I purchased a flight on a competing airline that did not give me an error when I attempted to purchase a ticket.      XXXX / XXXX  /2017  {$79.00}  XXXX    XXXX    XXXX  CA This  XXXX , cancelled via the merchant 's website, which forced me to contact their support, and they gave me the complete pitch which after refusing several times, they said they would cancel my demo membership and not charge my account.   I have email documentation saying I need to contact their support, but no  further documentation that account was cancelled. Citi sent paperwork, I replied with a printed form of the email I received from the merchant stating I needed to call them, I gave a statement I signed to citi explaining the situation and citi states they never received it and reversed the credit.      I am a responsible credit card user, I currently have no debt on these cards with   Citi, and my experience dealing with Citi makes me consider my relationship with them and the possibility of cancelling my credit cards with them. I do n't need citi, and the more I reach out for help, the more I 'm frustrated.
I plan on following up both these cases with Citi, but, I should not have to go through a game of following up online chat, phone call and replying by postal mail that now I feel has to include tracking to make sure it was received.
I 'm writing this to document my poor experience with Citi.
This is my 2nd attempt to rectify a serious error on the part of Experian National Consumers Assistance Center. I have been disputing an entry on my credit report listing a Bankruptcy Chapter XXXX- discharged on XX/XX/XXXX for over a year. 
As proven in the documents I am attaching, there is no way the bankruptcy is validated as the Bankruptcy Courts do not verify them ( see attached letter ), it is not listed on my XXXX XXXX XXXX ( XXXX ) report ( see attached  report ), nor is there a bankruptcy reported on my XXXX report ( see attached report ). To quote the reply by XXXX XXXX Senior Regulatory Affairs Associate from my 1st complaint ( see attached response to my 1st complaint ) Our records indicate that we have contacted the public record vendor to verify the accuracy of the information with which the consumer disagrees. The disputed bankruptcy information was verified as accurately reported and confirmation was mailed to the above-mentioned consumer for review. The only other way it could possibly be reported is through PACER. I have previously requested ( see letter dated XX/XX/XXXX ), and I WILL DO SO AGAIN NOW, Experian provide identifying info of the clerk they spoke to verifying the Bankruptcy as BK Rule 9037 states- " PERSONAL IDENTIFICATION DEFINED AS INDIVIDUALS SOCIAL SECURITY & TAXPAYER IDENTIFICATION NUMBERS, NAMES OF MINOR CHILDREN, LAST FOUR DIGITS OF FINANCIAL ACCOUNT NUMBERS, AND DATE OF BIRTH, BE REDACTED FROM DOCUMENTS FILED WITH THE COURT. '' Therefore obtaining verification through a subscription to PACER or any other agency is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires " you to notify the party who furnished the disputed information '', Experian would also be in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits " unfair or deceptive acts or practices '' by purposely reporting information that they have " assumed '' is verifiable based off circumstance.

Experian has failed numerous times to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. IN ADDITION, Experian has violated the FCR Act Section 623 ( a ) ( 3 ) & /or FDCP Act Section 807 ( 8 ) by not placing a notice of my dispute on my credit report w/in 30 days This is my last attempt for them to rectify this serious and inaccurate reporting error. .My next step will be small claims court where I will be seeking {$1000.00} per violation of 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act.
In XX/XX/XXXX I had to hire XXXX XXXX XXXX for an IRS issue because three accountants I had previously could not figure out how to resolve the issue. The issue was an Accountants method of handling depreciation. I had to pay XXXX {$12000.00} which I had to spread over three credit cards because I am at poverty level I only make {$25000.00} a year. 

I had to sign a contract to allow them to charge my credit cards. I had no choice because I needed someone to handle this matter. From day one it was nightmare dealing with XXXX because you never get to speak to real accountant just case managers that no nothing about taxes. They just are the in-between person to get documents when needed. Anyway in the so called Resolution phase of my matter which is the offer to the IRS. The IRS sent me an important letter responding to XXXX offer which was rejected and I had 30 days to respond back. So I had faxed the letter on Wed. evening twice to XXXX the fax machine indicated the fax went through twice. I then e-mailed my case manager the next day Thursday to ask if she rec 'd my fax. No response I e-mailed her again. No response. On That Thursday afternoon I called her and left message no response. On that Friday I called three times throughout the day no call back. Monday came no call back I now am panicking so I filed a BBB complaint against XXXX called all the credit card companies to start disputes on all the charges. I then had to hire another Tax Lawyer in Maryland to handle this case for {$1000.00}. 

I put this in dispute with XXXX XXXX XXXX for the {$4000.00} charged to my card. XXXX originally told me that they had enough facts to credit my account, but XXXX told me on the phone if I did not settle with them for {$1800.00} and drop all complaints and bad reviews I would not get a dime. They also told XXXX had sided with them before XXXX even told me they were not going to honor my dispute. So I was blackmailed into settling for the {$1800.00}. Also while on the phone I had to sign release and delete all bad reviews and give XXXX a five star rating. So with my financial situation I had no choice but to take the {$1800.00} because I needed money to pay my credit card bills. 

I then find out XXXX in fact had agreed to side with XXXX without advising me of the same. I then wrote back with further details of what took place. They told me in a letter that if I had more information to supply the same. I did so and never rec 'd a response back. When I got my bill on XX/XX/XXXX XXXX had put back the {$4000.00} and when I called to speak to the dispute dept person answered knew of my situation and then said I will get someone to help I was put on 20 min hold no one ever answered. They dropped the ball and I never rec 'd the service I contracted for and was blackmailed into settling for pennies compared of what XXXX charged. XXXX was very unprofessional and now are hiding under a rug. They have no answer for their actions. I even have my business account with them and told them I would close my account should they honor this and I will go forward with pulling my account.
What are these accounts doing on my credit report?? I filed a dispute with the credit bureaus but no word from them! I am so disgusted seeing all these errors messing up on my credit report..The student loan should not be reported on a credit report since this is a government funded loans and only private  accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal ... 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 paid the Speedy Cash loan in full almost two years ago and they keep harassing me they put it on my Credit Report and keep threatening me. I 'm sick of it I provided proof of full payments debited out of my bank account through ACH. They insist on harassing me and calling me and threatening me. I 'm tired if it all.
I am a victim of identity theft. I have been writing to Equifax for several months now trying to get this information removed from my credit report. I have sent them over 5 letters not and they fail to respond to the problem. I have requested the information be removed from my credit report.
Mortgage account with Ditech for non-owner occupied dwelling. Property management firm pays mortgage on my behalf. 
XXXX payment received XXXX. Ditech mis-applied payment to another account mortgage company also pays on behalf of another client. Ditech attempted to call me starting XXXX, unfortunately I was on business travel and unavailable. Connected with Ditech on XXXX. After several phone calls Ditech agreed to their error, reversed late charges and corrected account. On XXXX Ditech contacts me again with another claim account past due. XXXX check cleared bank XXXX, hence could not have been past due. On XXXX again after several calls with Ditech they agree to waive late charges. However, on XXXX Ditech informs credit reporting agencies my account is not paid in timely basis, credit score drops XXXX points. Ditech commits to inform credit agencies, but given recent event I have no confidence Ditech will do as commited
The phone number calls me at least XXXX times a day everyday, then starts to call me from a different phone number right after the XXXX call. They never leave message. XXXX call is always around XXXX and I get calls all through out the day with NEVER any message. When I look up the number it says it is a collection agency CBE Group.
This debt was a result of identity theft my husband was a victim too. 
This debt is reported to my credit report as a debt in collection. 
When I called the creditors ask what is this about they claimed NOT to have me in the system as if I owed them anything. They asked was I married and I responded yes. My husband is the one who " they '' claim owes them this money. After never knowing about this till know we come to the conclusion we have been a victim of identity theft. My husband never opened an account with whom they claim he owes money to. When we ask to please remove this collection from my credit bureau they claim NOT to have linked my husband debt and my credit line. 
So why is this showing on my credit report. 
I want to resolve this issue ASAP, because I want to purchase a house before the market rises. I have NOT gotten the chance to do so because of this tangled web! 
Please help or fwrd my info to the right department. 
I truly appreciate all the help.
On XXXX/XXXX/XXXX I received a XXXX for year XXXX in my name from EquiFax. On XXXX/XXXX/XXXX I sent letter to EqiuFax which they ignored. XXXX/XXXX/XXXX registered letter to EquiFax requesting information as who was paid funds stated on XXXX as I did not receive them. Also this info should have been available to me prior to XXXX/XXXX/XXXX for income tax filing. EquiFax responded with their dispute form with " Result of our Reinvestigation '', " Please be specific with your concerns by using the account names, numbers, and the nature of the dispute. '' This is a cope out and delaying tactic by EquiFax as I enclosed a copy of their XXXX asking for a copy of who the disbursement was made to and any information where the funds were deposited. 

On the EquiFax web page the only phone numbers that I could find are those where you can not contact a live person and only speak to a robot. EquiFax will do everything to frustrate you in hopes you will give up. In their communications they never cross reference anything and do not respond to direct questions. I searched XXXX and found a number where I could speak to someone at EquiFax. 

I called XXXX on XXXX/XXXX/XXXX and spoke to XXXX who was very helpful and got me over to XXXX XXXX XXXX unfriendly ) who is in their Dispute division and he stated I needed to address this to their legal and I would have to do this thru a lawyer. He also stated that I sent my letters to the wrong dept. and I told him I sent it to the address on the XXXX form. 

I have had a dispute with EquiFax over the period from XXXX thru XXXX concerning a negative in my Credit Report. This was finally settled in a court case and there are no negatives in my report. 

I find EquiFax a horrible company which is beholden to the credit issuers and not the consumer who is an obstacle to their bottom line. All I want is the information related to this XXXX form.
well my concerns is about my credit I have problem with the capital one bank they send me to collection I open I count with capital one bank 2004 in XXXX uta they give me XXXX dollars for credit I never finish the pay after I closed my account I thinking capital one bank discriminate me inspector general I need help thank
I have been in contact with my private student loan lender Discover Student Loans several times since XXXX 2014 to try and make my monthly payment more feasible so I can afford to live. I have been told to either use forbearance or default my loans and that they can not help me. They want me to pay nearly {$700.00} a month, while trying to live and pay other bills. I also have federal loans that are in non repayment right now until I can get something resolved with Discover and be able to afford to repay my loans. I am willing to work overtime to pay Discover a settled amount every month so everyone is happy they are getting money. But, Discover will not work with me to make it to where I can live and afford my bills.
When the company calls, there is a recording trying to sell me something ( I think it's an extended warranty on a car that I haven't had in 4 years ). 

Company Name is Portfolio Recovery : XXXX Most of the time they hang up without the recording. Call using various other numbers as well.
To whom this concern.

Back on XX/XX/2010 I found a house at XXXX XXXX XXXX XXXX XXXX  with a for rent sign in the window. I called the number XXXX and a guy answered by the name of XXXX XXXX and advised me he was with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and that I could obtain the property if I could fix the home to suitable to live in and pay XXXX down and XXXX a month until I reach XXXX for the deed to be transfer in my name or I could opt to rent the home. Well it sound like a great idea at the time due to my living situation. So he forward me an application I completed it and he sent a notary to me to sign a contract then I sent him XXXX  and I paid XXXX for a few months then I went to call the number to ask some questions it was disconnected. Then I started receiving letters from different loan servicing companies. So I started to do some research online and found out it was a scam the taxes were not being paid and the contract was never filed with the state of XXXX as a land contract or anything. I started to read online reviews and it said to just follow the lender so as I am getting letters from different loan servicing companies which was about five I believe telling me to pay. I just started to pay seeing as if I just spent XXXX to fix up the home. Then the amount change when it went to XXXX XXXX XXXX XXXX aka XXXX XXXX so I stop making payments and been trying to fight my way out of the home with my good name in tack. Out of all the loan servicing companies who were collecting for whoever this lender is only one has reported to my credit bureau which is XXXX XXXX XXXX aka XXXX XXXX they had reported this is a conventional loan mortgage, and it is close due to transfer with a XXXX balance. I am in the market to try to obtain a rightful loan with a bank and I can not get any assistant from the XXXX HOUSING FINANCE AGENCY. Because its reported on my bureau I have a mortgage. Theres no deed with my name on it from the state of XXXX, I have no rights to obtain anything. This is fraudulent I have contacted an attorney who told me to move and walk away. But how can me when its reported to my credit report as if I had a mortgage. I been in contact with XXXX XXXX  and they will not remove this from my report they just keep giving a explanation its close as transfer to another lender who has not reported and told me to walk away. I keep disputing this with the credit bureau and only XXXX has removed the remark. XXXX  and Experian will not remove this remark. Please advised
I called XXXX XXXX XXXX today XX/XX/XXXX to report an inaccuracy on my XXXX  and XXXX  Credit Report. On XXXX it is listed as XXXX XXXX XXXX XXXX i the amount of {$450.00} ( reporting date XX/XX/XXXX ) telephone number is for XXXX XXXX XXXX  and on XXXX it is XXXX XXXX XXXX in the amount of {$440.00} ( reporting date XXXX ). At the time of service I was a college student in XX/XX/XXXX and a legal dependent of my father XXXX XXXX XXXX, XXXX and I am XXXX XXXX XXXX, XXXX an unemployed college student. I needed XXXX   treatment in XX/XX/XXXX in which my father gave his consent for me go to the XXXX XXXX XXXX. XXXX in XXXX, GA my mother also signed for me to utilize their XXXX insurance and accompanied me each visit with the exception of my XXXX visit when my paternal grandmother passed. My father was gainfully employed and was making payments on my XXXX   account which he was responsible for due to the fact I was on his insurance and under the age of XXXX. My father became ill and XXXX in XX/XX/XXXX and was mo longer able to make payments on the account. The account was turned over to XXXX XXXX XXXX ( XXXX ). I tried to explain to the legal department of XXXX XXXX XXXX today XX/XX/XXXX. That the dentist office transposed the file due to the fact my father and I carry the same name. However, she stated I was responsible for the date because I was over the age of XXXX at the time of rendered service. If this was the case this debt should not have been filed on my fathers XXXX  insurance and no payments excepted from him to rectify the account. Might I add upon graduating from college in XX/XX/XXXX, I enlisted in the XXXX in XX/XX/XXXX, graduated from XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) and XXXX XXXX for the full 13 weeks of training. I take pride in representing our country and my credit profile. I do not wish to carry a negative blemish for the clerical error of someone else 's mistake. I thank you for your assistances and immediate urgent attention in resolving this matter. 

In my conversation with XXXX in the legal department she was most rude and snappish towards my explanation and questioned the intelligent intellect of my mother.
I am a widow and a woman with a XXXX, I have limited money so I do XXXX on the side to support me and my daughter. On XX/XX/XXXX a client paid me via XXXX a deposit so that I can start a editing job for her FOR more than 24 hours I could not access my own money that I worked hard for. I contacted the business three times and I was advised that my money would be released so that I may transfer it within in two hours. I first called the business at XXXX on XX/XX/XXXX. I called again in the afternoon on the same day and was advised in two hours the website would be working. It is now 24 hours later and I have not been able to transfer my money to my prepaid card. 

I contacted them to ask them what were they doing to compensate for this inconvience. I was told nothing would be done. I still do not have access to my money and because of this I need to file a complaint against XXXX this is unacceptable I called again on XX/XX/XXXX spoke to a Rep named XXXX asked for his supervisor I was hung up on .... 

my client is upset because I promised her a sample before we got started on her project. I had to take money from my Personal savings account so that I can start on this project for a client because paypal 's prepaid card is having problems and you are not able to transfer money from your paypal account to your prepaid card. I use this account for my business and they are affecting my business. I asked them what they are doing to compensate for this and I was advised nothing would be done.
I received a free credit report from all 3 agencies. I disputed this information with all 3 agencies. As a result of my dispute, instead of providing prove that this is my debt the company, PORTFOLIO RECOVERY ASSOC. keeps updating info instead of providing proof. This is not my debt, it was someone else 's debt who put me down as an authorized user. That I was not aware of, their debt went into collections and because they can not locate the debtor, they are placing false information on my report. XXXX, XXXX and XXXX  were notified, yet they keep allowing this collection agency to just update instead of removing. When I requested information as to what proof did they provide they all just tell me to contact Portfolio, who  respond to my calls by telling me that if its not my debt they can not discuss the matter.
On XXXX/XXXX/XXXX after reviewing my credit report I notice that 2 fraudulent accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts are still being reported on my credit report after repeatedly mailing my FTC report, XXXX report and identifying information since XXXX of XXXX. I submitted my information over 6 times however they keep sending letters stating it was verified when I have sent documentation via certified mail requesting proof over 4 times. I have been getting the run around through the mail with the agency without any progression which has negatively effected my score and cause me great financial hardship.
Diversified Consultants has placed a collection account on my XXXX  and XXXX credit reports in the amount of {$540.00} in the year XX/XX/XXXX. Diversified just added this debt to my XXXX   report on XX/XX/XXXX I have never done business with Diversified. I have never received anything in the mail from Diversified stating that I owe this debt. I have sent letters to the three credit bureaus asking for verification of this debt. the credit bureaus have failed to comply with what the letters were asking. The credit bureaus sent me responses that they have verified the debt, but they have not sent proof of how they verified that this debt belong to me. XXXX states they will not reinvestigate the account. I am requesting that this debt be removed from my credit profile due to the bureaus not being in compliant with the letters I sent, and me not having any communication about this debt with Diversified. this debt is damaging to my credit.