WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax failed to protect my data and the data of millions of others around the world. The one consolation for all was supposed to be a free TrustedId membership. I want to inquire as to why the technical issues with that site have not been fixed, and what the expected timeframe is for maintenance.
XX/XX/XXXXI found a inquire on my Transs Union dated XX/XX/XXXX. I trued to call and no number listed .WEnt to their website and pushed contact, Just takes me to top of the page. NO way to contact. XXXX XXXX XXXX XXXX XXXX, PaXX/XX/XXXX. Never heard of them at hall. please have deleted.
I applied for a  XXXX   XXXX   XXXX  credit card in   XX/XX/XXXX  (    Ref  #  XXXX  ).   American Express asked for an address verification letter with a specific format, that I sent. American Express kept rejecting my most recent address verification letter. In response to my previous complaint about why American Express did not accept my address verification letter, American Express mentioned that it was because they could not confirm the signature of verifying official and therefore could not accept the letter ( Amex response is attached ).
The issue is that American Express request for address verification is redundant and should not have happ  ened at the first place, and trying to re-confirm the verifying official signature is a redundant task within another redundant task. Such redundant paperwork does not contribute to security, account protection, integrity of business, or compliance by law and regulation.    American Express  asked me for an exactly similar address verification letter in   XX/XX/XXXX  and  XX/XX/XXXX  f or another credit card application  ( REF   XXXX   XXXX    ).    American Express  specifically mentioned in its request at the time that they will keep the address verification letter for their records. I faxed the address verification letter i n  XX/XX/XXXX . America  n Express  accepted my letter and approved my credit card application. The letter I sent back in  XX/XX/XXXX  had been signed by the same verifying official who signed the letter I sent for current application.   Considering the above mentioned course of incidents, there a re two p oints I would like  American Express to consider and address : 1 ) Why is American Express asking again for some information they already received very recently and supposed to have kept it in their records? Based on whatever concerns you have, you may want to verify an appli cants address once, but as long as the applicant keeps using the address you already verified it doesnt make sense to re-verify and re-verify and re-verify her already verified address for each and every application she submits. Address verification, even if necessary for account protection or other reasons should be done once and then used to facilitate further transactions.  American Express has altered a simple one-time address verification process with a non-sense, endless, and repetitive sa ga that has serves no reasonable purpose.    2 ) R epeatedly asking for address verification letter is redundant and unnecessary. Nevertheless I sen t American Express a new and redundant address verification letter as requested. But it seems American Express interest in repeated verification is an organizational culture which is not limited to address verification. Peoples signature should also be verified repeatedly by American Express. American Express mentions that they could not confirm the signature of verifying official. American Express fails to mention that verifying official is the same person who signed the letter which   American Express received and already confirmed back in  XX/XX/XXXX  .
name on my report is wrong, i have accounts on my report that are not mine : XXXX Name identification number : address : XXXX XXXX XXXX XXXX, FL XXXX Address identification number : XXXX Type of Residence : XXXX Geographical Code : XXXX
I have a checking and savings account with TDBank. I filled out overdraft protections forms when I opened my accounts and XXXX other times at branches. They keep bouncing my checks that I have more than enough money to cover. They have reported me to XXXX and are destroying my credit. This morning they refused to cash a check I wrote for {$1100.00} at the XXXX XXXX XXXX Bank even though I have over {$140000.00} in liquid assets at the Bank with no holds on my money. They can offer me no explanation why this is occurring. They now say that AGAIN they have lost my over draft protection documents which have been in place for the last 6 months and again are denying checks for NSF. They are just horrible to deal with. The average wait time on the phone is over 60 minutes each time I call them.
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XXXX and XX/XX/XXXX.
PNC Mortgage has failed to respond to multiple requests for information regarding a loss claim filed for a roof repaired from hail damage. The initial check was sent from the insurance company to PNC, however, nothing was ever mentioned and the check was deposited into escrow. Additional documents were required to complete the claim and release the funds to the contractor. However, notification was never provided. It should be noted that the funds were sent to PNC in late XXXX XXXX early XXXX XXXX. Notification was not received until the contractor threated to place a lien against my property for failure to receive payment. I have tried on multiple occasions to contact PNC to confirm that all documents have been received and the funds can be released. After waiting on hold for 30 minutes or more on each occasion, an operator would state that all circuits are busy and disconnect the call. The functionally to leave a message is offered every XXXX3 minutes while on hold ; however, when I would press zero to leave a message, the call would remain active and I will remain on hold.
On the XX/XX/XXXX I 've recieved an e-mail that my deposit was reverse ( Coinbase ) but now I still have n't got my funds back! My bank says there is nothing coming as well. 

Now the XX/XX/XXXX and still no funds back XXXX + XXXX
I requested to have this loan deferred due to a financial hardship I am experiencing currently and I was under the impression that the loan was under a deferment however I recently checked by credit report and there are multiple 30 day lates and 60 day lates which are greatly affecting my credit score. I am worried because even after I have contacted XXXX, XXXX  and TransUnion via letter to ask for a verification of late payments. The loan should have been in deferment during the time the credit bureaus are reporting the payments late. I feel this is unfair, unacceptable and inaccurate reporting which is affecting my credit score and will in the future affect my ability to get credit due to these bogus and unvalidated late payments. 

To date XXXX nor XXXX, XXXX or TransUnion have responded to my letters sent over 60 days ago asking for a validation of these late payments and the method of verification not XXXX used as per in compliance with the Fair Credit Reporting Act regulations, FACTA, FDCPA regulations.
Creditor XXXX XXXX placed a retail credit card into collections that is not mine.
CMRE. XXXX. {$65.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
I WENT TO XXXX AS SUGGESTED BY XXXX FICO TEAM AND THIS WEBSITE.  I ORDERED ALL XXXX CREDIT REPORTS. I RECEIVED THE FIRST REPORT FROM XXXX AND SAVED IT. I THEN DISPUTED AN INCORRECT ISSUE AND RE-SAVED.  I WAS THEN PREVENTED FROM PROCEEDING WITH THE REST OF THE REPORTING. I WAS, HOWEVER ABLE TO NAVIGATE ANYWHERE ELSE (PURCHASE CREDIT PROTECTION OR ORDER A FICO SCORE). THERE IS NO PERSONNEL ANSWERING THEIR LINE.  I THEN CONTACTED THEM VIA THE ONLINE "CONTACT US", BUT HAVE NO WAY TO GO BACK TO MY REPORT.  THIS IS UNACCEPTABLE.
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30, 60, 90 days in the months of XXXX, XXXX, XXXX, nor XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
I was given a free credit report I noticed there are accounts on there that are NOT associated with me, I have never went to any hospitals EVER and receive any type of medical service, someone has either used my name or fraudulently said they were me. Theres 3 accounts from XXXX XXXX XXXX in the amounts of {$710.00}, {$730.00}, and {$590.00}. I want to either see a valid signature and ID that was used to verify me and or said it was me, I want proof of all documentation that was received in order to receive medical services from the facility or hospital.
XXXX collections has apparently continued to call me over and over again, the problem is they have been calling my parents house to reach me. My parents are really annoyed since they call everyday and multiple times throughout the day. I am positive they have my cell phone number but have not called me once. They keep calling my parents house looking for me, and it is truly harassing my parents. They have also failed to communicate with me by mail to see where I owe and how much I owe so I can pay it.
I got a call regarding {$150.00} debt from XXXX for terminating the contract. They have incorrect address and incorrect contract dates. I had completed 2 years of the initial contract, after which it goes in to month-by-month contract. I terminated after nearly 2 years and 4 months. However Debt Collection Company claims there is a termination fee because it automatically renews the contract. I do not believe that is correct as per initial contract, I asked them to send me a copy of Contract that I signed so that I can verify. Neither Debt Collector or XXXX has this. I explained this once but I got another call to collect full amount ignoring previous discussion.
Navient has been calling both my father and myself non stop both at work and on my personal line. They continued to cal my sister at school and ask her for personal information about me without revealing who they are calling on behalf of. This is beginning to border on harrasment. They now have sent a letter stating that they are sending my account to their litigation for review unless I respond within a week. So far they have been asking for over {$500.00} a month in payment.
Since XXXX I 've been religiously paying XXXX XXXX XXXX XXXX through XXXX XXXX and Navient. There were 7 loans ( between $ XXXX and $ XXXX each ) that totaled {$94000.00} ) that were secured between XXXX and XXXX to help get my XXXX daughters through a XXXX based University. The interest rates were supposed to be fixed at between 4 % and 5 %. I have been paying an average of about $ 500/month for the past 20 years and as of today, only {$19000.00} has been reduced from my original obligation. How can I have paid XXXX/Navient over {$120000.00} during this time frame and still owe {$74000.00} of a {$94000.00} bill??? In closely reviewing how these payments were handled by Navient, as little as {$0.00} has been applied to the principal about 40 times. My most recent payment of XXXX XXXX only had {$55.00} of a {$550.00} payment applied to principle. The average over the past 15 years paid to principle varies every single month despite being a fixed loan but averages about {$130.00} of a {$550.00} payment. In my opinion there is fraud here. Navient has offered no better viable options since the inception of these loans and they are impossible to get through directly. I am now XXXX and recovering from a debilitating illness. I 'm not looking for sympathy, only looking for an intelligent answer to this issue before I request legal advise.
Contacted several representatives via telephone and emails because of the financial hardship I am experiencing to pay the minimum balance on my account since Hurricane XXXX. I requested a deferment on my payments until XXXX 2018 and have not received a response.
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XX/XX/2013
Company : Chase Credit Card for Amazon.com I am a victim of identity theft. I just became aware of this on XX/XX/XXXX by a different credit card company. As a result, I have placed a fraud alert on my credit report and ordered all three reports. <P/> I received a missed call on XX/XX/XXXX from the following number : XXXX at approximately XXXX XXXX. The caller left a voicemail identifying himself as XXXX from Chase Fraud Prevention Dept for Amazon.com Credit Cards. He left a call back number of : XXXX and a reference number. <P/> I did not call the above number as I am leary about the validity of the caller. My guard is extremely high at this point. I instead used XXXX to find a toll free number for Chase. I called XXXX at approximately XXXX XXXX. <P/> The 1st Customer Service Rep I spoke with was XXXX. I asked to be connected with the Fraud dept. I also asked him to provide me with their phone number ( in an effort for me to try to verify the phone number left on my voicemail ). He stated they did not have a number?? But stated he could connect me to them after verifying my information. I explained the situation of how I am not a customer of theirs, I received a call from the Fraud dept, and that I did not feel comfortable supplying him with my personal information. XXXX did not seem to understand the seriousness of my concerns so I requested to speak with his supervisor. I was then connected to XXXX. She identified herself as the Fraud Dept Supervisor. <P/> I reiterated my concerns to XXXX. She stated their phone number is : XXXX. She was unable to confirm if the initial phone number left on my voicemail was valid. She too requested my personal information that I was not willing to provide for my security. Besides, they should be able to use the reference number to pull up whatever file that has been created in my name. <P/> Out of frustration with the process, I stated I was ending the call with her. <P/> I then decided to call Chase again, but this time using the phone number listed on my credit report which is : XXXX7. A gentleman by the name of XXXX answered. I explained my situation and he connected me with XXXX ( a male ) in the Fraud dept. I gave XXXX my full name, the reference number left on my voicemail, and explained the situation. He seemed to be more helpful than anyone else I had spoken with. However he asked for my address to send paperwork for the fraud investigation. I refused. In hindsight this seems like a reasonable request. However I am leary as this is the second notification I received of fraud within the past few weeks. <P/> Please, someone help me!! I simply want Chase to void whatever application that was submitted in my name fraudulently. If they opened an account in my name, I want it closed! I also want them to conduct an investigation as to who may have done this. Would someone please contact Chase on my behalf to facilitate this? <P/> By the way, I just noticed a hard inquiry on my credit report from Chase which was apparently done on XX/XX/XXXX ( which I did not initiate ). I want that removed as well!!
I was sued by Midland Funding llc back in XXXX. They sued me aftervthey supposedly purchsed XXXX charged off credit card debts. After inpaid sn attorney to negotiate thiese for me they have still continued to harrass me for payment. I have also paying a law firm called XXXX law fow over 2 years to help get my credit back so i can keep my business going an be able to survive. After thousands of dollars to XXXX law they were able to get my credit scorse back to whete i can finally get the help i need. Just recently on XXXX XXXX they got midland funding to remove then negative items from my credit reports. I am still making my monthly payments to them thru a law firm called XXXX After they removed these itmes my credit score was marked good snd i was about to go try to get a business loan to advance my business. Now after all this just today XXXX XXXX only about 2 weeks after it gets fixed they now put these itmes back on my report. Now my scores have gone down again over XXXX points. They knew i was working with a credit repair law firm simce they kept sending me letters saying they did not have enough information to process my requst to verify these items because they felt it was requested by a credit repair agency. I do feel they have once again violated the credit protection laws and have deliberately attacted my credit again. I feel they should now be required to immediately and permanently remove these items as well as pay me for this attack. It is hard enough to get by the last few years without being attacked by a junk debt buyomg compant that is only out to scsm hard working people out of money.
Good Afternoon, I am traveling overseas and I am having days worth of trouble accessing my account. I have spent time on multiple phone calls costing me money on having payments declined and also blocked access to my account. I am in XXXX and their app and Huntington bank website access is blocked. I just got off the phone with Huntington Bank Customer service trying to gain access and info to my account and the phone rep told me there is nothing they can do and I need to give my bank information and account access to a third party in order to transfer money or pay my bills because they claim the govt is blocking access to my account from the country of XXXX. This is unheard of. I have access to XXXX XXXX XXXX, XXXX XXXX as well as my XXXX card. 
I have my hands tied as far as paying bills, my mortgage and even knowing what has been processed through my account. I gave them notice multiple times that I would be traveling here and I've had to call numerous times to unblock my card and now they are saying there is nothing they can do all of a sudden.
On XX/XX/XXXX I went online to access my checking account. I noticed that my balance was extremely low. I then saw that on XX/XX/XXXX two fraudulent checks had been cashed -- one for {$9300.00} and the other {$8900.00}. A substantial amount of money. I immediately contacted my bank, froze the account, and requested an investigation. I then went to a branch, told the very sympathetic and helpful employee my tale, and opened a new checking account. I was told that in most cases the investigation takes 14 business days.

It is now XX/XX/XXXX. I have filled out an affidavit which did not arrive at my home until XX/XX/XXXX or XXXX. It was dated XX/XX/XXXX. I had it notarized and mailed it. I was told claims received it on XX/XX/XXXX -- over two months after my initial call to the bank. Needless to say, I'm frustrated.
OnXX/XX/XXXXI received an alert form one of my credit monitoring sites that my scores had dropped for Equifax, one dropped 14 points the other dropped 99 points. After my investigation through my Equifax account, it appeared that 69 items were affected on my credit report. The majority of the accounts were reinserted into my credit file, other accounts were deleted, credit card balances were removed and old inquiries were added to my account file. I called Equifax XX/XX/XXXXand spoke with XXXX in the Office of Consumer Affairs, she  advised me there was an abundance of information added to my report she created a dispute to the technology team to fix the issues which included deleting the reinserted accounts. She advised me to call back on WednesdayXX/XX/XXXX if the issue had not been resolved. I called onXX/XX/XXXX because I noticed that a lot of changes had been made but 25 reinserted items still remained on my credit file. I spoke with XXXX in the office of consumer affairs who refused to take the remaining account numbers to make sure those items were deleted and hung up on my twice. XXXX from the office of consumer affairs tried to delete the accounts but was having system issues advised my only option was to submit in writing to open a 30 day dispute where the creditor would verify the account. I advised that was not the appropriate approach and that I was not interested in taking that approach with my account because the items had already been deleted from my credit file. XXXX rudely provided the fax number and hung up on me. I called the office of consumer affairs onXX/XX/XXXX and spoke to XXXX who stated she did not remember the conversation we had on Monday and that she would of never submitted anything for deletion. She then told me there were 2 disputes open and there was nothing they could do about it now. She refused to follow through with her plan from Monday to have the abundance amount of information that was reinserted to my credit file deleted. The 2 disputes were opened on my behalf without my authorization. I specifically said in all my conversations with Equifax that I DO NOT want to open a 30 day investigation for the creditors to verify the accounts. Attached is a copy of my credit report before the items were changed on my credit report and the most recent copy of my credit report with changes that have been done but 25 items still remain. Also, I have attached a document that includes my conversations, dispute numbers and a list of changes that were made and remaining items.
My Credit Score for Equifax XX/XX/XXXX was XXXX. My Current Credit score is XXXX. My wife 's current credit score is XXXX. For XXXX my Credit Score is XXXX. My Score XX/XX/XXXX was XXXX. My wife 's current credit score is XXXX. We have EXACTLY the same items on our Credit reports, my report took a huge nose dive from XX/XX/XXXX to XX/XX/XXXX. The only difference between the two months is XXXX extra credit card, that 's neither delinquent nor is there a balance on it. I less than XXXX % credit card utilization, and I 've never missed a payment on anything. I ca n't get anyone to explain it to me either. This is costing me a lot of money. You should be able to just ask why scores are the way they are, rather than have this cloak and dagger! I need someone from both to explain what is going on, and why. 

FYI, I put down Information is not mine because that 's the only thing that even came close.