WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing to dispute a billing error in the amount of {$2600.00} from Citi Credit Card that appeared on my credit report ( XXXX ). The amount must be mistake because I called the Citi representative to find out about this charge, but they were not able to find any account information under my name or social security number. This could possibly be a fraud and has caused damage to my credit. My family we 're trying to get a loan to buy a house and not able to because of this. I tried calling Citi Bank and Citi Credit Card, they provided me fax numbers to send in my disputes but both numbers do not work. They said only fax and no email for the disputes. I am unable to get through them. This is why I come here to your site for help.
I disputed an account with American Honda Finance with the XXXX major credit bureaus and directly with AHF. The credit bureaus and AHF both verified the accounts as being accurate and responded to my dispute in a timely fashion. But what they failed to do per the Fair Credit Reporting Act, was to update my account as being disputed within 5 days of receiving the dispute which according to the Federal Trade Commission is their responsibility and when not done, is a violation of the FCRA.
I received a " final notice '' from a collection company on a credit card that was paid in full in XX/XX/2007. When I called to advise them to send me supporting documents, I was met with threats of lawsuits, wage garnishment and liens. I do not owe the money. My credit report confirms this is a paid account.
On XX/XX/XXXX I called Chase Bank ( passing all personal Identifications ) and requested to close my checking account immediately. I also requested to refund a monthly service fee that was charged on my account on XX/XX/XXXX. I wanted the fee to be refunded on the basis that I was closing my account within the next boiling cycle after the fee was posted. Chase did not close my checking account as I demanded. Instead the kept the account open and on the next day, XX/XX/XXXX, they charged another monthly service fee on the account that I closed.
In XX/XX/XXXX I made my XX/XX/XXXX mortgage payment. At the end of XX/XX/XXXX I made my mortgage payment for XX/XX/XXXX. Everything was fine until about XX/XX/XXXX when I started receiving late notices. I did some research and found that LoanCare had applied my XX/XX/XXXX payment towards XX/XX/XXXX. So instead of recording XXXX separate months payments as they should have they showed XXXX payment for XXXX. I called and got it resolved without issue. I was assured that this was their mistake and it would not affect my credit score. I have filed a dispute with XXXX with LoanCare but they refuse to change the late. The account was never late.
I have contacted Equifax and XXXX XXXX XXXX at least 10 times over last 3 months. There are 2 collection accounts on my report that are clearly not mine. The Collection company does not even have my social security number or name in their system. They said it was a file merge that 's how the account showed up on my file. They have contacted Equifax over and over to verify this is not my account and Equifax refuses to remove this account in a timely manner.
I didnt request anything from whomever this they are spam texting make it stop XXXX
In this case this scenario involves both our Lender, XXXX XXXX   which we filed a complaint about separately and this complaint involves the other party, the closing agent on our mortgage Lawyers Title of Cincinnati Inc. 

The lender failed to make a good faith disclosure of the real estate taxes which would be part of our financial obligations in purchasing the property and repaying the loan. Properly create a new escrow account by failing to estimate disbursement amounts using reasonable judgment based on information reasonably available or known to it. The amount of real estate taxes which we, as purchasers and borrowers, would be obligated to pay upon closing was a readily known amount. The tax could have been easily determined at the time of the initial loan disclosure and certainly by the time of closing/settlement by a simple check of the public record by the settlement agent or the lender. The amount is determined by multiplying the sale price of the home ( which was known by Lender ) by the applicable tax rate, which is public record. Under Kentucky law and based upon information readily available in the public records of XXXX County, Kentucky, the real estate taxes which should have been disclosed to us totaled {$8500.00}, but the settlement agent and the lender reported the taxes as only {$4100.00}. They simply stated the taxes paid by the PRIOR owner, which under Kentucky tax law is not a justifiable, reasonable, or good faith statement of the taxes which we would be paying or in compliance with federal regulations [ Regulation X 1024.17 ( 7 ) and Regulation Z 1026.39 ( g ) ( 3 ) ] The Lender and the settlement agents negligence or failure to comply with federal regulations resulted in a drastic shortage in the escrow account and has caused us a great deal of financial hardship. Had we been informed by the initial disclosure of what the taxes would be and therefore the escrow amount, we could have shopped around more and perhaps found a lender with a lower rate or lower closing costs. 

The closing agent ( Lawyers Title of Cincinnati Inc. ) failed to accurately disclose the taxes that you would be paying and which would be used to calculate your escrow account
I have placed a dispute with each of the major credit reporting agencies over 2 months ago without any resolution or response from any.
After speaking with the company, they agreed to take it off my bill. I then closed the acccount XXXX years ago myself. They did not close it. 

XXXX XXXX
They are unavailable. I emailed them twice at their online email address and both emails got bounced back to me. I was hold with them for an hour and 50 minutes between XXXX XXXX and XXXX : XXXX on XXXX/XXXX/2016. I have already paid the bill in full that they are tyring to collect and I was just trying to let them know that.
I write to call attention to incident that occurred by Chase Bank employees and loss prevention department of Chase Bank.I received a settlement check from a lawsuit in the amount of {$160000.00} The check was written on XXXX XXXX XXXX. I deposited my check into my personal account on XX/XX/17 I was concerned that the check had not cleared and called and was informed by several Chase employees ( XXXX, XXXX and another gentleman ) that my check was forwarded to loss prevention because my law firm '' had a history of bouncing checks '' and that Chase had put a hold on my account and since they cant verify the check my account was going to be closed on Friday XX/XX/2017 and the check was going to be returned unpaid. I called my law firms bookkeeper and lawyer and explained to them what Chase employees had told me in regards to my deposit and received a copy of my lawsuit check from them which cleared on XX/XX/2017 the day after I deposited it. I also immediately contacted the bank branch manager ( XXXX ) and advised her that I was told that the Chase employees had used XXXX to research my lawyers firm and noticed that his firm changed his name last year. Chase policy is not to allow employees to verify funds using the internet research rather than calling the issuing bank. The law office has no history of bouncing checks.I had to go into the bank on XX/XX/17 with the copy of the cleared check and have a three way call with ( XXXX ) Law-firm bookkeeper and loss prevention.The law office was able to clear the check after going back and forth with the employees. The law office wrote a letter to XXXX XXXX ( Chase market director )  and wanted an explanation about the conduct of the employee and the loss prevention department. I received a reply about deposits holds and that they could not verify the actions of the employee and had no record of any of several phone calls to the bank. ( I do have phone records of all calls to the bank ) I was discriminated agaist by Chase Bank because I am an XXXX women.
After carefully reviewing my credit report, the report showed credit inquiries and collection accounts that are not accurate. I did not authorize the inaccurate inquiries found on my credit report and I understand that the bureau are not to put an inquiry on my report unless I have authorized it. There are also some collection accounts listed on my credit report to be an error. I never had an account with those creditors and I do not owe those debts. 

On XX/XX/XXXX, I sent dispute letters to the credit bureau via certified mail so that the items could be investigated and reviewed with the creditor to be removed from my credit report if they can not verify the inquiries and collections by the provisions of the Fair Credit Reporting Act. 

As I stated, this was back in XX/XX/XXXX when I sent the dispute letters. It is nowXX/XX/XXXX-- 6 months  later and I have not receive a response back from the credit bureau regarding my dispute. Under the 15 U.S.C Sec. 1681i ( a ), the investigation must be complete within 30 days of receipt of the letter sent to the credit bureau.
On about end of  XXXX  of  XXXX  I order  XXXX  pairs of shoes fro m Macys.  I received  XXXX  pair only. I called them and they re order me the other pair. When I received them, they where too big. I returned them in the store located in  XXXX   XXXX  in Florida on  XXXX   XXXX  of  XXXX , I have a received from the store. I later get a bill statement from  Macys char ging me for this item. I called them and after abou t 15 mi nutes of listening to all these offers before getting an agent, I explained the situation to the agent. She said that I still owe the shoes, I gave her the number on the received and she had to call a supervisor to adjust my bill. They said that my balance will be adjust within 48 hours but that it will be on  XXXX  balance.   The following month I received another bill, I am upset at this time. I called again customer service and again afte r 20 mi nutes of offers, in this case I am furious how difficult it is to get through someone before listening to all these offers. I explained the situation to the agent, she was very polite but at this point I had no care for politeness, I want to speak with a supervisor because she was not understanding my problem. She explained that I owe the amount for what ever reason, I was not interests at this point, I wanted a supervisor, I gave her the name of the supervisor that I had from the previous call and that is when she put me on hold. she came back stating that there was a mistake and that they will adjust my bill and that my balance was  XXXX .   Again, this month I received another bill with late fees and all. I tried to call customer service, but it is ridiculous how you are placed to offers one after another, running my phone minutes. at this time I am done trying. I do not know what else to do or who to go to. Please, help!!
I 'm not sure what 's going on. I 've been submitting disputes to the credit bureaus for the past eight months. They do not respond to me and are obviously not initiating my disputes. I 'm not sure what 's going on. I KNOW these accounts that are reporting are inaccurate. I 'm just trying to express my rights as a protected consumer and ask the credit bureaus to investigate. Why are you not investigating my disputes? Can you legally just ignore my request like that? I 've also tried disputing with the collection agencies asking them to send me a medical release form because i 'm more than 100 % sure i 've never given them permission or access to my personal medical information. I 've spoken to a consumer right 's attorney and he 's telling me that i have a case, do i? I 'm asking the credit bureaus to please investigate these inaccuracies. This is causing me major stress. These collection agencies do not have my permission to have my medical information, PLEASE remove!!! 



XXXX Opened XXXX XXXX, XXXX {$1300.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$850.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX + {$1200.00} Original creditor : XXXX XXXX XXXX LA XXXX XXXX Opened XXXX XXXX, XXXX + {$100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX + {$500.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX + {$310.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX + {$290.00} Original creditor : XXXX XXXX XXXX XXXX
My name is XXXX XXXX XXXX. I file a dispute letter with Experian, XXXX and XXXX about a loan on my credit file that is charge off around XXXX XXXX. XXXX XXXX Account Number # XXXX around XXXX XXXX XXXX deleted this item form my file, Experian and XXXX didn '' t take this item off my credit file. This item is still on both file on this day. Around XXXX XXXX my wife send a letter to XXXX XXXX to show we own the debt. They send her a letter ask for information. The dispute l sernt to Experian and XXXX were 609 and 611 FRCA.
I have 3 student loans with Navient. Two of them are private and one is federal. A while back one of the private loans went into default and it was passed on to their collection agency - XXXX XXXX. At that time they told me that I could pay {$100.00} a month towards it and that Navient would report to the credit bureaus that I was making partial payments. I have been doing that faithfully ever since. I have not missed one payment. My issues are that I feel as though the loan 's interest was accrued at an outrageous rate. The original principal was {$7000.00} and the loan is now at {$14000.00}. That 's double the amount. Then whenever I try to discuss this loan with Navient they tell me that they can not because I need to talk to the collection agency but that I should also be careful with who I speak to concerning this because there are fraudsters out there. So I call the collection agency and they tell me that they will talk to Navient on my behalf. Every time they talk to Navient they come back with a settlement offer. The first settlement offer was for me to pay {$4900.00} to them and the rest of the loan would be forgiven. Now they recently sent me another settlement offer to pay them {$6000.00} for the same thing. I believe that this is turning into a game of some sort because they know that this particular loan has been set at an unreasonable price. They do not allow me to discuss this loan and they continuously come with these settlement offers ( which are increasing even though the loan is decreasing ) and I believe that the loan is overpriced/not calculated correctly.
I recently acquired the Barclaycard Arrival Plus Mastercard because of the alluring promise that I can earn XXXX miles per dollar spent as well as redeem them for travel purchases at basically XXXX cent per mile rate. The travel credit redemption program states : " Choose any qualifying travel purchase of {$100.00} or more made within the last 120 days to redeem your miles for a travel statement credit. Travel statement credit redemptions start at XXXX miles for {$100.00}. Please note, only qualifying travel transactions made in the last 120 days will display, and you may only redeem against a transaction one time. '' However, it does n't state anywhere in the rewards program description that AFTER the initial {$100.00} threshold has been met, there is a {$25.00} increment in redemption. Meaning that my charge of {$120.00} CAN NOT be redeemed with XXXX miles and instead the maximum I would be allowed to use to redeem is XXXX miles for {$100.00} of the {$120.00} charge. Phone representative admitted that there 's a {$25.00} ( or XXXX mile ) increment after the initial {$100.00} ( XXXX mile ) threshold has been met. He also admitted that this is not clearly stated and as a consumer I feel that I was not able to maximize the rewards that I 've earned because no attempts were EVER made by Barclaycard to disclose the " rule ''. The phone representative XXXX made it very clear that I will never be able to use the entirety of my miles ( XXXX miles at the time of writing this ) because of the unstated rule and I do not think that Barclaycard has been upfront about the rewards program to allow a consumer like myself to make an informed decision about their product.
I am writing to request a correction of the following information that appears on my credit report.

I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft.

I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.

Please carefully review and remove or correct this information at the earliest possible time.

Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill
My son cell phone account with XXXX was under my name. 4 years ago my son left the country for a long trip. I called XXXX and asked them to freeze the account. the person who took care of this matter specifically said that when my son comes back we can call to reinstate the account, 3 months later, after this call I started to get bills from XXXX. since we also moved to another address I got those letters much later, I called XXXX and questioned those bills, they told me that after 3 months the freeze is removed, I explained that this is not what we where told, I decided to close the account. I paid {$200.00} for an early termination and was sure they will remove the charges that was done for no reason, for no use of the line, but they did n't. they send it to a collection company that keeps changing names after I dispute their charges. 
I 'm not willing to pay for someone 's else mistake, and for a service I did n't enjoy. 
The latest company name of the collection company is ENHANCED RECOVERY CO LLC. I would like to resolve this issue once and for all!!! Thanks
I have sent 4 request for Equifax to verify in accurate accounts on my consumer report I asked for them to send me documentation they have in their files that they used to verify these accounts ( FAIR CREDIT REPORTING ACT, 15 U.S.C - 1681g ) I have not received any response from Equifax regarding these accounts. I have asked for them to send me the documents and not to just send that they have been verified I would like documentation that show this and if not documentation is not there to immediately delete them under section 611 ( a ) ( 5 ) ( A ) ( I )
On XXXX XXXX XXXX entered into a loan agreement with US BANK for a XXXX XXXX XXXX XXXX. The boat had a manufacture defect in the floor and the company replaced it with a brand new ( XXXX ) boat in XXXX XXXX. The dealer contacted US bank with new XXXX and title. We paid off the boat and sold it to a new owner in XXXX of XXXX. When US bank sent the title it was for the XXXX boat and not the XXXX boat. Spoke with US Bank on XXXX/XXXX/XXXX and XXXX unable to locate any information on XXXX boat. Contacted dealer and was able to get a new XXXX and title for us. On XXXX/XXXX/XXXX received a lean release agreement for the XXXX boat, not the XXXX boat. XXXX XXXX new owner of XXXX boat attempted to registered with North Carolina XXXX. NC XXXX would not allow the new owner to registered the boat because stated that US bank still had a lean on the boat, even though new owner had title of boat. Contacted US bank on XXXX explain above situation. Again was told had no records of a lean for a XXXX boat in our name. Requested some type of documentation that a loan did not exist. Again received a lean release agreement for the XXXX boat. Spoke with US Bank on XXXX, XXXX. XXXX, and XXXX. Having to explain the whole situation every-time. At each occurrence I was promised a supervisor would call me back. I never out of 4 different promises received a call back from a supervisor. I still have not received any documentation that I can provide to the NC XXXX that a lean does not exist on the boat. The new owner is very upset that he can not register and thereby can not use a boat that he has a title to. I need US Bank to provide documentation that they have no records of Lean for a XXXX XXXX boat with that hull ID number. I also do not understand how a company can not follow through on it promises and poor customer service.
ETRADE : Opened Account on the XX/XX/2018 Deposited Check for {$1100.00} via edoposit on the same date.

Called to verify receipt.

Agent advised a 10 business day hold which was not what their website advised ( 3 business day hold ) Advised to cancel deposit and account, they hung up on me.

Called back, was given to a Supervisor who would not repeat his name after I verified my information and he reviewed my account. Advised ETRADE closed my account and I would receive a letter in 7-10 business days. 
Received letter today ( XX/XX/2018 ) stating the closure of my checking, savings and investment account but nothing about the money I deposited and they are holding. 
Tried to call but no one knew what was going on and that someone would call me back later. 
Bottom line : I opened accounts. deposited money. They cashed the check. they have the money. They closed my accounts. They are still holding my money and will not advise where my money is. I never used this money to invest in any way. I didn't have the opportunity. This is straight up banking at it's worst.
I took out a loan from a company called " XXXX XXXX '' in XXXX of 2015 of the amount of {$2500.00}. I received a phone call from my sister that someone named XXXX contacted to verify who I am and where I live, she also contacted several other people in my family and job to get in touch with me. When I called XXXX she told me that she works for a company called " API Recovery Solutions '' in good faith I gave her my account information because I know I took out this loan and set up a payment arrangement with her which was going to be {$400.00} a month over the course of 2 years with no interest ; however, when I looked up this company there is no information of its existence. I asked XXXX to send me a letter to confirm that she works here and I got an address which was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and phone number is XXXX. When I look up this address it is showing that it is a XXXX XXXX. She threatened to take me to court and sue me for the {$4800.00} and guaranteed me that I would loose in court. After I hung up the phone with her something did n't seem right. I started to do my research and contacted XXXX XXXX to see where my debt had gone and they told me that it got sold to " buyers holders inc '' and that they ca n't give me anymore information not even a number to contact them and that I had to look it up. After looking up the company buyers holders inc, I am still not able to find any information on it. All I would like to do is find out where my debt went and see how I can settle this because none of these companies that are calling me or non- existent. I went ahead and cancelled my debit card and reported it to my bank but now I am back at step one.
This is regarding the transition of the XXXX XXXX XXXX card to the Citi Costco product. 

1 ) Upon activating my card, I found out I am past due though no statement was sent to me. Hard for me to pay a bill that I never received nor have an address to send a payment too. 

2 ) A few days later, I got 3 calls from their collections department during working hours on my cell phone. The first two times, I was busy do did n't pick up and there was no message. The third time I did pick up and had a very unhelpful conversation with CS associate. He did alert me that I was accruing finance charges until I pay. At this point, I still have n't received the paper statement, getting multiple calls from Citi harassing me for a payment and told I was still getting finance charges because I 'm late ( though no late fee ). Had to call and fight all of this.