WillisBack/dataset-financial-user-claim huggingface dataset:
Re : ThankYou Pref. MC : XXXX | Alleged Bal. : {$3400.00} ( XX/XX/XXXX Stmt ) *NOTE : Although I have previously submitted two complaints about this account/creditor, todays complaint is about a separate and specific issue NOT previously raisedi.e., the fraudulent charging of nearly {$600.00} ( and counting ) in fees despite the accounts being closed and disputed for over four months now, since XX/XX/XXXX ). Thus, this complaint is NOT a duplicate and should neither be dismissed nor dismissively answered with a pro-forma duplicate response. 

1. As of XX/XX/XXXX, Citibank stands in expressly confessed intentional breach of our contract. 

2. Thus, effective XX/XX/XXXX, I closed the above-referenced account. 

3. Thus, I deny and dispute the alleged balance in its entirety. 

4. Thus, the alleged balance is wrongit should be {$0.00}. 

5. Thus, I deny and dispute the {$330.00} in past-due fees and {$260.00} in over-limit fees ( included in the above-referenced alleged balance ) that have been charged to the account since XX/XX/XXXX. 

6. Thus, the fees since XX/XX/XXXX should be {$0.00}. 

7. Thus, the fact that Citibank keeps billing on an account that is expressly known to be closed and disputed now for 123 days ( and counting ) shows clearly and convincingly that Citibank is willfully, arbitrarily, fraudulently, and thus illegally inflating the balance, likely to make the account more lucrative for placement with a collection agency/law firm. Citibank does this with indifference to the legal injury it causes me ( e.g., vis -- vis my credit file, credit score, and the cascading effects thereof ). 

8. I have attached, and I incorporate by reference, my ( a ) XX/XX/XXXX Rebuttal & Dispute, sent to XXXX XXXX and copied to Customer Service ; ( b ) XXXX Rebuttal & Reiterated Dispute, sent to Citi Client First ; ( c ) XX/XX/XXXX Second Rebuttal & Reiterated Dispute, sent to V.P. XXXX XXXX ; ( d ) XX/XX/XXXX Third Rebuttal & Reiterated Dispute, sent to XXXX XXXX in the presidents office ; ( e ) XX/XX/XXXX Billing Dispute, sent to Customer Service ; ( f ) XX/XX/XXXX Fourth Rebuttal & Reiterated Dispute, sent to V.P. XXXX XXXX ; ( g ) XX/XX/XXXX Billing Dispute, sent to Customer Service ; ( h ) XX/XX/XXXX Reiterated Billing Dispute & Rebuttal to Your XX/XX/XXXX Reply, sent to Customer Service ; and ( i ) XX/XX/XXXX Billing Dispute, sent to Customer Service. 

9. Given these grounds, which I will invoke in any future proceeding, you will : ( a ) remit this matter immediately ; ( b ) mark/close your files accordingly ; and ( c ) refrain from placing, or rescind as necessary, any related adverse information about me with the national consumer reporting agencies ( do not remove any disputed by the consumer notation ). Your failure to comply, as well as any unauthorized contact, will subject you to state and federal civil/criminal complaint, investigation, and prosecution, as well as to civil penalty and legal action resulting in damages, attorneys fees, costs, and sanctions. This is an attempt to mitigate. I reserve all my rights.
Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. It specifically states that This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at XXXX point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. 

In my case payments were missed and delinquencies were first reported, however, retroactive forbearances were approved which covered the time frame in which the delinquencies took place. As per the FCRA section mentioned above the furnisher has a duty to correct/update this with all credit reporting agencies, regardless of weather they were accurate at XXXX point. 

I have requested the furnisher to correct and update the information to no avail. 

I then filed a dispute with XXXX and XXXX I provided them original approval letters from the furnisher of the forbearances in question which included the time frames which they covered. They stated that they sent the information to the furnisher but they did not provide updates regarding the payment history disputed, alleging no errors were present.
I ca n't get either a credit score or report. I 'm afraid I might have gotten identity theft.
EQUIFAX I HAVE IDENTITY THEFT VICTIM I SENT OUT LETTERS TO ALL XXXX MAJOR CREDIT BEARUS ONLY XXXX WANT HONOR IT NOR GIVE ME MY CREDIT REPORT IS EQUIFAX SOME REASON I HADE LIKE XXXX OPEN AUTO LOANS AND SEVERE CHARGE OFF NOT ME MY EQUIFAX WAS OVER XXXX IN XXXX 2014 LAST TIME I EVER SEEN IT AS SOME ONE PLACED SECURITY FREEZE ON IT I CANT GET EQUIFAX TOO GIVE ME MY REPORT I SENT THEM XXXX COPIES OF MY DL THEY WANTED COPY SSN AS WELL WHICH I WOULDNT PROVIDE TOO THEM THEY SENT ME LETTER BACK SAID MY DL PICTURE DOESNT MATCH ME WOW SOME ONE HAS MY DL WITH THERE PICTURE IN YES THE DO IT XXXX GUY NAME IS XXXX XXXX I HAVE HADE MY MAIL SENT TOO OTHER ADDRESS OTHER THAN MINE SOME ONE HAS FORWARDED MY MAIL YOUR CREDIT BEARU WILL SHOW IT BUT THEY WANT PROVIDE IT ME WITH ONE I HADE BUDDY GOT IT OPEN AND PULLED IT HE SAID IT HADE OVER XXXX OPEN AUTO LOANS XXXX CHARGE OFF THEN XXXX REPO HOWS THAT EVEN POSSIBLE SO I GOT COPY OF IT DISPUTED IT ALL THEY WANT SEND BACK ANY RESULTS ITS CLOSED AGAIN ITS BEEN NIGHTMARE I HAVE XXXX PAID OFF LOANS THAT ARE MINE POSSIABLITIY GONE ACCORDING TOO DISPUTER THEY TOLD ME THEY HAVE SEEN THIS BEFORE USE INNOCENT PEOPLE CREDIT REPORTS GET ALOT AUTO CREDIT CARD LOANS THEN FREEZE IT AND FORWARDED THE MAIL TOO PO BOX AND CHANGE THE INDENTITY TOO THEM BUY CUTTING YOUR PICTURE OUT PUTTING THERES IN THERE AND PRINTING OUT YOUR SOCIAL NUMBER MAKING LOOK REAL I HAVE HADE NOTHING BUT NIGHTMARES FROM THIS I HAVE CALLED EQUIFAX THEY WANT TALK TOO ME BECAUSE I HAS FRAUD ALERT WITH QUESTIONS I CANT ANSWER THE GUY STOLE MY IDENTITY IS XXXX XXXX AND XXXX I HAVE HADE TON EMAIL PROMOTIONAL FROM XXXX XXXX AND XXXX XXXX XXXX POLICE CALLED ME 2 YEARS AGO ABOUT THIS MATTER THEY HAVE HIS REAL PICTURE ON FILE DEALER TURNED IT IN AS THE NAME DIDNT MATCH UP WITH THE BUYER SO I NEED HELP PLEASE MY BEARU HAS BEEN LOCKED ALL THIS TIME
I am recently retired XXXX service member who has been XXXX on and off since 2007, I got a Lowes Credit Card issued by Synchrony Bank. I have been paying my bills above and beyond my minimum, so I thought, since I have on-line statement. I recently checked on line to see all my credit balance since returning off XXXX and was shocked to see that instead of balance decreasing, it was increasing. The card security benefit was added without my knowledge and was charging me {$90.00} a month, so only XXXX dollars was going to interest and nothing was going to principle, thus increasing my balance and minimum and adding late fee. This has been going on for I do not know how long. In essence I have been paying XXXX towards the card security and interest ( half of it ) and nothing at times to principle. 
very respectfully, XXXX XXXX XXXX
XXXX XXXX, XXXX To whom it may concern, On XXXX/XXXX/XXXX we received a debt collection letter from XXXX XXXX XXXX, however ; the debt was paid on XXXX/XXXX/XXXX. The debt was paid to AMCA, also known as Retrieval Masters ( according to XXXX ). In XXXX of XXXX I called AMCA at XXXX and made a payment for account # XXXX with a XXXX credit card ( see attached statement ). The account was previously handled by a company called XXXX. In XXXX on XXXX I received another collections notice from AMCA and I called and spoke to XXXX on XXXX/XXXX/XXXX, she assured me everything was taken care of and to disregard the notice, confirmation # XXXX. As mentioned at the beginning of this letter, in XXXX of XXXX my husband received a collections letter from XXXX XXXX XXXX for the exact same amount and file number and he paid the outstanding balance AGAIN, because I was not home and he thought the charge was legitimate. I would like the letters to stop and I want to make sure XXXX refunds my husband 's XXXX Credit Card immediately. The charge is for services rendered in XXXX of XXXX by XXXX XXXX, therefore ; there are no other outstanding bills because these are the only services rendered on such date ( see attached claim ). We hope this gets settled ASAP. 


XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Synchrony Bank took over as the third party bank processing the XXXX XXXX  XXXX credit card several month ago ( around XX/XX/XXXX ). The transfer of my account from the previous company took place and there were no issues with my account balances. 

However, the new bank - Synchrony Bank has a policy in place where they reduce my auto recurring monthly payments when I make additional payments. I had calculated exactly what my payments needed to be monthly to pay off my balance without accruing interest. Then I purchased another item that needed to be paid off after my upcoming bill in order to avoid interest. Instead of changing my monthly recurring payment, I decided to pay additional amounts as one time payments and I pre-scheduled them online to be once a week. I received a letter in the mail in XX/XX/XXXX from Synchrony Bank saying they had decreased my recurring payment based on the one time payment I had made. I chatted with a representative online who told me that is how this system works. It seems unethical to me that my payment would be reduced when I choose to make additional payments. That has never happened to me, not with the previous bank nor any other bank I have had a credit card with. 

On my XX/XX/XXXX invoice I was charged interest because they reduced my payment amount without my permission. I called them on XX/XX/XXXX and they resolved my account by removing the interest charge. I received another letter in XX/XX/XXXX where they reduced my recurring monthly payment again. It has not yet posted to my account and the representative can not assist me. I have to wait to see what will happen and call again. 

I do not think it is appropriate to auto reduce someone's payment in an attempt to make them accrue interest.
I have disputed on multiple occasions with the CRA 's and directly to the creditor, Capital One. I sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The CRA 's keep concluding my disputes as validated accounts, and they do not correct or delete the inaccurate the  information. I requested the CRA 's to reinvestigate the wrong past due amounts, and wrong balances that's reporting on my credit reports. How can a credit card company report a credit card with only a {$300.00} llimit, with having a past due balance of {$3700.00}! That's impossible. I requested proof that I owed this balance and I have NEVER received any proof that I owe this outrageous balance. The 3 credit bureaus are also reporting conflicting, information. I mean don't the credit bureaus all contact the same creditor and aren't the creditors suppose to provide the same, accurate information to ALL the CRA 's? So if they are actually verifying the information that the creditors are providing them, then my credit reports should all look the same, but they DON't! Because the CRA 's and creditor, Capital One are reporting wrong information, I'm at a 240 % revolving credit balance which is severely impacting my credit score negatively. I have requested on many occasions for the CRA 's to conduct reasonable investigations regarding the information on my credit report, but they have failed to do so. In a reinvestigation of the accuracy of credit reports [ pursuant to 1681i ( a ) ], a credit bureau must bear some responsibility for evaluating the accuracy of information obtained from subscribers. I have included copies of the credit reports, the different reported information that's been inaccurate for many years. I have alerted to the accusation that the accounts were inaccurate, and then confronted with the credit grantors ' reiteration of the inaccurate information. However,, XXXX, XXXX, and XXXX continued to rely on the inaccuracy of the creditor and did not re-investigate or verify that the information provided by the creditor was in fact complete, accurate and true.
Chase thought my homeowners insurance lapsed and so they used escrow to buy a forced placed insurance policy. They now have proof I had coverage but have not changed my payment. I'm having to borrow money to avoid overdraft fees.
There was a problem, where Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I 've been affected gravely and my score is suffering as a result. No notice was given whatsoever, which is also a violation and I am requesting that the inquiries be removed : Please.. 
XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Thanking you in Advance for your assistance.
I have disputed this account on many occasions. Finally, i had enough and asked since XXXX XXXX continues to report this account please send me a signed " agreement between me and XXXX XXXX XXXX. I finally received the document and here is what i found. The original account # with XXXX ( original creditor ) shows XXXX while XXXX XXXX shows for original creditor # XXXX. No initials on this " payment agreement ''. Signature does n't even match signature on my license. Balance even shows XXXX but shows different amount on credit report. I want this account removed immediately from all credit reporting agencies. i have included copies on all supporting docs.
I opened a 24 month CD on-line. On my XXXX statement I noticed a deduction of {$38.00} for " Backup Withholding ''. I called the customer service number and after being on hold for XXXX minutes I was told that " backup withholding '' was deducted from an account when the social security number was n't available. They verified that mine was available, had always been available and that it was an error. They gave me a case # ( XXXX ) and said I would be contacted in XXXX hours. That was 10 days ago. I received an email telling me there was a message for me in the customer message center. The customer message center has n't worked in over a week. No one on the phone cal tell me what the message is or the status of my problem. No email, no live chat, a message center that does n't work and a calling center that just does n't care adds up to horrible customer service.
I currently have an auto loan with Reliable Credit in XXXX, Washington that was opened on XXXX XXXX of 2014. I found Reliable Credit had communicated to the credit bureaus that the account is closed and was claimed under my Chapter XXXX bankruptcy of 2014. I called Reliable Credit, who stated they recently upgraded their software, which resulted in the incorrect information being reported to the credit bureaus. They stated I would need to file a dispute in order to correct the information. I filed a dispute with XXXX, which is now closed, once again, showing the same incorrect information. I am now facing hardship due to this matter. I have never been late during the entire existence of this loan, but now XXXX has lowered my credit XXXX points and XXXX and has subtracted XXXX points.
I received a Speedy Cash Loan and tried to pay them off on XXXX/XXXX/2017. Their Website would not let me pay the loan off so I called them and their office was closed. I called the next day and they are charging me another interest fee on top of the one I already paid. when they should be taking into account that they just took an interest fee out.
We are trying to get preapproval from a mortgage company as we are looking to buy a house. We have our accounts at all three credit agencies frozen. It was very simple to temporarily remove the freeze at XXXX XXXX and XXXX. Experian was another story. Their online service often said, " I didn't get that '' even when the data was entered using the keypad. There was inadequate time to enter the PIN number they had sent. Giving up on the phone, I tried the online service. The field for the PIN number was too short to fit the PIN sent to me. I left off the XXXX leading XXXX and was able to get the temporary removal. I told my husband to leave off his leading zeros in the PIN sent by Experian. However, it turns of he had XXXX leading XXXX. His request was denied and they said he had to submit all kinds of information for his request to be honored. We are still waiting to have the freeze removed. Nowhere in the letter containing the PIN, in the phone link or on the online site does it say the PIN has to be a certain length or to disregard the XXXX leading XXXX. This is ridiculous. If we had been trying to get a loan to go with an offer, we would have lost the bid. Why can't Experian give you a PIN that is correct and be as user friendly as the other two agencies?
I just checked my credit score with XXXX XXXX. 

National Credit Card Cos. Chase Bank USA , N. A. 
has done four ( 4 ) hard check 's for a Chase credit card I have never applied for a Chase Card. 

National Credit Card Cos. 

Chase Bank USA, N. A  Inquiry from XX/XX/XXXX Chase Bank USA, N. A Inquiry from XX/XX/XXXX Chase Bank USA, N. A Inquiry from XX/XX/XXXX Chase Bank Usa, N. A Inquiry from XX/XX/XXXX These hard checks are dropping my score! 

I would to get these off of my report. 

Thanks ; XXXX XXXX XXXX
I am applying for Public Service Loan Forgiveness and my lender is XXXX XXXX. Up until my XX/XX/XXXX billing statement, the PSLF payments made on my account were between 11 and 22 payments for each loan. As of my XX/XX/XXXX billing statement, my PSLF payments were reduced to between 4 and 6 payments. I contacted XXXX XXXX in XX/XX/XXXX and the agent wasnt sure what had happened. The XXXX rep assured me that a review of my account would be done. Its now the end of XX/XX/XXXX and I havent heard back from XXXX XXXX and my PSLF nimberbif payments hasnt been corrected.
Professional Adjustment Corp. SW FL Inc is reporting a negative account to XXXX and XXXX that I do not owe them. I have asked them for validation of debt and they responded by sending a bill from XXXX XXXX that does not contain their company name anywhere, does not have my signature, or an original contract. A bill does not count as validation of a debt. Because they have failed to validate the debt I would like this removed from my credit. <P/><P/>Also, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization.
MY our case XXXX. My account has been limited on XXXX XXXX,2017 and I have {$850.00} in there. I was told that my funds will be on hold for 180 days and I will be able to withdraw then. Please release my funds its been 180 days since I 've been waiting
On XX/XX/XXXX, I logged online to my American Express Blue Cash card, and there was an offer to the effect of " upgrade your blue cash card to preferred card and spend {$2000.00} in next three months and we will give you a {$250.00} statement credit ''. The upgrade has a {$95.00} annual membership fee. I responded to the offer on that day, and spent more than {$2000.00} within two months. 

But I did not see the {$250.00} statement credit. I then chatted online with an American Express customer service member and his supervisor to inquire about the credit. They told me that I had already been given the credit for the same offer in XXXX and was not eligible for the offer again. I counter argued, telling them that there was no way for me to know all the details. More importantly, American should not have made the offer to me the second time. Be that the case, we would not even have this conversation. I also told them that I had tried hard in order to meet the {$2000.00} spending requirements, for example, I used their card but not using credit cards from other issuers even though they offered % 5 cash back rewards.
I have received several Hard inquiries last year. I am very upset. I was VERY clear with them. they can feel free to pre-qualify me for the loan, give me their rate, and do a soft inquiry. for some reason they felt the needed to hard inquire me. Pre-qualifications for mortgages shouldn't be hard inquiries. I haven't even signed a loan agreement with them. 


XXXX Quicken Loans/XXXX XXXX The only banks authorized them to do what they needed were XXXX  XXXX XXXX and XXXX XXXX.
I opened a Best Buy Visa Credit Card ( handled by Citi ) on XXXX 2016. I  always have been diligent with the minimum payments, by paying before the due date. Unfortunately, I am getting my hours cut at my part time job, and I am experiencing some kind of trouble making the payments on time. In the event I have any issues with making payments, I always reach out to the creditors to work out an amicable solution. While some of them understood perfectly my situation and granted me one more week as extended grace period, unfortunately with Best Buy Visa Credit Card is not the case. They are difficult to work with, and this time I asked for one more day of grace period, since I got paid on XXXX XXXX and the bill was due XXXX XXXX, I did n't have enough funds available on my bank account to afford the minimum payment. I spoke with two different reps last week. First one, called XXXX, from the Tennessee office, helped me get an extension of the payment, for one more day, and assured me that my account wo n't be subject to late fees as a one time exception, and that the late fee adjustment will be applied within 1-2 billing cycles. Same information was confirmed by XXXX, another rep from the Tennessee office. When the new bill came, I was charged two different amounts, {$160.00} and {$100.00}, as minimum payment due. And then, I reviewed thoroughly the recent activity section and the late fee of {$37.00} was charged, along with {$44.00} of interest on purchases. <P/>This situation has caused me a huge deal of XXXX, as I do n't know what else to do.
XXXX : Calls asking for an unknown called on my mobile. 
He does not exists at this number. They refuse to stop calling. 

Their number is XXXX. 
They ask for a person stating that it is a person business matter. Refuse to identify themselves and then finally after I angrily inquire why they keep calling me, they tell me where they are calling from.
On   XXXX    XXXX   XXXX  my Bankruptcy was  discharged, And  when I go look at my status it 's still listed on my report .I tried to contacting them thru filling out a Dispute and it kept through in me out of there site, quite a few times.   It states these, Derogatory public record or collection filed . ( N ot listed ) on other reports .Also time since delinquency to recent or unknown covering all bases.amount owed on delinquent accounts should n't be any.proportion of Balances to credit limit is too high on bank revolving accounts do n't have any on file.number of inquiry impacting the score. They gave  XXXX  's  XXXX  a  XXXX  and I have A  XXXX .  Trans Union is very deceiving company PS. The Bankruptcy should be off record I have proof I am credit fit as proven by my 100 % pay Back worthyness.please review   XXXX   XXXX   XXXX   too thanks agai n