WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX. My father XXXX XXXX passed away XXXX XXXX, 2015. In his last will and testament he appointed me ( XXXX XXXX, his son ) as the executor of the estate. He had XXXX accounts with Chase bank with the total amount of {$280.00}. I attempted to retrieve and close out the accounts as the executor of the estate by providing the bank with a copy of the will and a copy of the death certificate. However, I was told by bank officials that they could not disperse the funds unless I filed with probate. The cost of the application to file with probate is {$150.00}, not to mention, I would have to take a day off from work to fill out the paperwork and submit the application. Obviously, this would not make sense for me to do. What can I do to resolve this issue. In this particular case I would think due the amount of funds, there should be an exception to filing probate. By showing a copy of the will and a copy of the death certificate to Chase Bank officials should suffice to resolve the issue. Please provide any feedback that will help resolve this issue.
I have a XXXX XXXX Rewards Card ( XXXX  ). I ordered gift cards with my points to be used for XXXX gifts. I was told by a representative by phone that my order no. XXXX was mailed to me on XX/XX/XXXX. After two weeks and no cards, I called to find out what could be done. As XXXX was approaching I had no gift cards. On XX/XX/XXXX replacement cards were mailed out, order no. XXXX. To date I have not received them. I have inquired about tracing the cards to be told that its not possible. I have spoken with our postmaster about the situation. The only conclusion we can come up with is that someone is aware of the mailing envelope and they are being stolen along the route. I continue to receive a paper copy of my bill every month and other advertisements to the same address. 

Today I called the rapid rewards bureau asking about a guaranteed mail delivery and was told they only use first class for gift cards. I also asked to have my XXXX pts. refunded to my account only to be told the situation has to be reviewed. 

I am totally frustrated with this program and reaching out for some help. XXXX
On XX/XX/XXXX an electronic payment from my bank was submitted to Navient in the amount of {$450.00}. The account was initially XXXX but was changed to Navient. I initiated payments through my bank because of problems in the past when I used their web based payment, with similar issues-NO Payments received. Navient claims they never received the XX/XX/XXXX payment and suggested I contact my bank to see who the payment went to. I contacted XXXX and they confirmed that the electronic payment was made to Navient. I provided Navient a bank copy of the electronic transaction provided below by fax on XX/XX/XXXX, in addition to previous electronic transactions through XX/XX/XXXX. Navient still continues to state that they have not received the payment. See Transaction Below : Payee : Navient, XXXX, Amount : XXXX Payment type : Electronic, FREE_CHECKING, **** Deliver by:XX/XX/XXXX ; Confirmation : XXXX ; Status : Completed
THIS DISPUTE WAS PAID TO THE ORIGNAL ACCOUNT HOLDERGE CAPITAL RETAIL BANK {$350.00}. THE ISSUE WITH THIS IS NEITHER PORTFOLIO RECOVERY NOR GE CAPITAL WILL RESPOND. I EVEN SENT AND FAXED A COPY FROM MY BANKTHAT IT CLEARED TO XXXX THIS ACCOUNT IS PAIDED IN FULL.
I have called XXXX numerous times in reference to unauthorized inquiries I dont recognize. I recognize 2 out of the 17 I have. They have told me numerous time they will place a dispute and investigation when In fact one agent told me they is no investigation actually done. They come back and say its a factual record. Ive called a few of the creditors and they have no records of any application. However they told me Equifax must remove it. I am getting beyond frustrated because of lack of negligence Equifax has shown and no help in getting this resolved. 
Below are the inquiries I did NOT authorize. 

XXXX XXXX ( 4 ) XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX ( 3 ) XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX
I have items on my credit report that are NOT mine and I would like them taken off! One of them is a Vet for a animal that is not mine! I do NOT own a dog but this XXXX vet says I owe them over {$2000.00} for something that is n't mine. Also there are medical bills on my credit for places I have not been or even went to a doctor for these issues! I just want them removed off my credit so I can be done with this misinformation!
I received a bill from the original source XXXX XXXX XXXX account # XXXX. I wrote a letter to them asking for an itemized bill and to please re-submit the claim to XXXX XXXX because I had exceeded my out of pocket expenses for the year. They did neither request. I was then contacted about aq month ago from a woman saying she was collecting a debt. I told her the same information. She asked for personal information to be confirmed because she would be having the company sending me medical information. I received nothing from her or the company. Yesterday I received a letter from Transworld Systems Inc concerning this debt with the amount claimed and the company on it. My wife and I went to buy a car on XX/XX/XXXX/17 and I was told that my credit score had gone from an XXXX to XXXX because of this " debt collection ''. At no time have I refused to pay. I asked that it be submitted to XXXX XXXX again. At no time was I told I was being put in collections. This company XXXX sent me a bill with no explanation. I have never contracted with them for anything and they are paid by XXXX XXXX XXXX XXXX, MO to read XXXXs and XXXX. They then bill the patient for the difference between their full charges and what XXXX pays them. At no time in the process does anyone explain that a patient must pay the hospital, doctor and then another bill for the same service. 

I have had a 40 year history of excellent credit ruined by Transworld Systems because it was easier to ruin my credit than to answer questions or provide information. I would like my credit restored, and for XXXX and XXXX to submit the bill back to XXXX XXXX to be paid. At this point I have been severely punished for something I only wanted them to do their job..
C ompany placed this on my credit report and I do n't know who they are as all my student loans a re handled through Dept. of Education.
In XX/XX/2018, I notified Equifax via certified mail that several accounts listed on my credit report were a result of identity theft. I included an identity theft report and applicable statutory guidance regarding their action. To date, items remain on my account. Additionally there are other incorrect information listed. 

Last week, I sent Equifax another certified letter demanding all fraudulent accounts be immediately removed from credit file. Equifax has now placed these accounts in dispute in lieu of removal. This is illegal and highly unethical. Equifax must be mandated to adhere to the law surrounding identity theft, especially, since it likely a result of their breech. 

At this point, Equifax has ignored all attempts to correct my credit file. Please take immediate actions against them. 

Included in my initial letters were letter requesting Equifax to remove fradulanet accounts, proof of identity, copy of my identity theft report and law that governs credit reporting responsibilities.
Heartland payment systems hold my restaurant credit funds over 20 days, heartland never contact me after this happened, until I get on my online business banking account to check my balance, my balance went to negative, I got not enough money to run my business, have a great impact on my spirit and business. one of heartland employee counterfeit signature on my documents, I was uninformed about this, that is not my signature. Also they cancel my service with out my command, until I called heartland customer support to found out. When they do anything, they will not let customers know, that they will arbitrarily change customer information. ( my restaurant name : XXXX XXXX. address : XXXX XXXX XXXX XXXX Ohio XXXX phone number : XXXX merchant ID:XXXX. heartland customer support : XXXX XXXX XXXX and customer service:XXXX XXXX XXXXXXXX )
Problem : Equifax makes it impossible to unlock credit report on the internet, as was originally promised. XXXX recommended I call a number that was supposed to be Equifax but was actually a SALES PROMOTION that wastes tons of time. 
Shame on XXXX and Equifax. They should be fined. 

DO NOT CALL THIS NUMBER XXXX it is a sales pitch for Cable Services, and is NOT a means to contact Equifax. This is a trap. 

When you call XXXX the customer MUST listen to many minutes of " free '' offers and then is sent to a Cable Company SALESPERSON to get a sales pitch. This number was given to me by XXXX who told me I HAD TO CALL THIS NUMBER to unlock my credit. 

I was expecting to unlock my credit via the internet, as I have my codes all organized. Equifax will not allow me to do this, instead sending me to a Cable Company for a long sales pitch. 

On Friday XX/XX/XXXX, I went online to use my unlocking codes to temporarily unlock my credit through Equifax. I was advised to do this through XXXX as I am applying for a new Credit Card. I had tried to unlock credit through Equifax on internet, but this is now impossible, even though I have the code to supposedly unlock my credit online. I had to pay a mandatory fee to freeze my credit in the first place, even though Equifax was responsible for the MASSIVE BREACH in XX/XX/2017. 

By XXXX Eastern time, I was told by XXXX to call this number : XXXX. 
I had to wait until Monday Morning to call this number. Then I spent many minutes on hold, then I got a sales pitch for Cable Services. Finally, I called XXXX and after many minutes on the phone had to give up my codes to a human who could also breach my data. 

Since I am paying for this service, even though it should be FREE, it should work on the internet with the correct codes. All phone numbers should work on weekends. 

Equifax should pay me money, for having to waste MY TIME on their sloppy, underfunded, nasty credit reporting business. Ditto XXXX.
On XX/XX/2018 A payment of {$500.00} was made on this account. The payment posted and the funds were available. Typically, if a payment is made from an account other than my capital one savings, the payment and funds take a few days to clear. This being the typical process, it was safe to conclude that the payment submitted in XX/XX/2018 cleared. Throughout the month, I used the card as usual. I took a cash advance and made in store transactions. 
On XX/XX/2018, I noticed that Capital one allowed for this payment to be reversed. I am unsure as to why. As to their own policy of making funds available AFTER funds from payments are verified I am unsure why this is happening. The payment on this account was in full and intentional. the information used to submit the payment match my account. 
With the reversal, my account is showing 200 % usage which is inaccurate and unfair. 
Payment for XX/XX/2018 was in full and on time. I was never contacted regarding any inefficiencies with my XX/XX/2018 payment.

I want that reversal removed and my account balance to reflect the balance for the purchases and cash advance that occurred in XX/XX/2018
XXXX   XXXX   XXXX   XXXX   XXXX  fail to follow the WA Deed Of Trust  Act ( DOTA ).    XXXX   XXXX   XXXX  illegal foreclosed upon our home of  XXXX  yeats after Chase giveup their trustee of standing. quality  XXXX   XXXX   XXXX   XXXX    XXXX   broke the Consumers Protection law of WA  State RCW 19.86 CP A. The federal law will void all court orders for lack of jurisdiction because  Chase  give up Their trustee of standing that was filed in public records  XXXX / XXXX / 2011 . The scans that I have provided show  XXXX   XXXX   XXXX  lack the power of sale under WA state Law.
They have repeatedly contacted my  XXXX   year old gre at grandmother numerous times at her house she is very old and does n't remember much my aunt was there today when they called and told them to stop calling it is totally unacceptable to be calling my  XXXX   year old  great grandmother because he phone number is the phone book! They can call me I still have the same phone number and they have n't but to call and elderly old lady numerous times about my debt and have her worry is unacceptable..
I received an email alert that a new account was showing up on my Credit Report, XXXX XXXX XXXX as to a new collection Account. 

The Account is AMCOL SYSTEMS FOR A MEDICAL BILL OF {$890.00} AND THE ORIGINAL CREDITOR IS XXXX XXXX, THIS ACCOUNT HAS BEEN PASSED AROUND TO ABOUT 5 DIFFERENT COLLECTION AGENCIES, AND I HAVE TO DISPUTE WITH THE CREDIT BUREAUS EACH AND EVERY TIME, IT NEEDS TO STOP AS XXXX XXXX HAS EVEN SENT A LETTER TO CEASE COLLECTION ACTIVITIES AS POLICE REPORTS ARE ON FILE AS WELL AS NOTARIZED IDENTITY THEFT AFFIDAVIT. 

THIS NEEDS TO STOP IT HAS COST ME THOUSANDS OF DOLLARS TO ADDRESS IT EACH TIME IT POPULATES WITH A DIFFERENT COLLECTION AGENCY.
I co-signed for my daughter student loan a few years ago, now Navient XXXX XXXX ( not sure what company this is ) continue calling me after I told them not to call several times, they use different phone numbers, unlisted name etc. I informed them I will file a complaint and donot call. My daughter is still in school working on her XXXX. and I am sure she will make arrangements once she is done
In XXXX of 2017 a collection showed on my credit report from XXXX XXXX XXXX via Choice Recovery. This is not my account. It was confirmed that this was not my account, but my son 's ( XXXX XXXX XXXX, not XXXX XXXX XXXX ). I filed a dispute on XXXX XXXX at that time. This information is still reflected on my credit report. My wife and I applied for a Home Equity Line of Credit to pay down our debt and were denied due to this collection causing my score to be XXXX, not above the 700 that is required. My son, my wife and myself have spoken with the collection agency and the company who originated the file. They state they did not report this on my social security information and that the credit reporting agency must be pulling the data incorrectly. The credit reporting agency does not have my dispute on file, from XXXX of 2017. They have asked that I submit another dispute because it is only the collection agency that can remove the negative report. I don't believe I should be required to file another dispute, which will take longer to resolve. Time is of the essence and I am respectfully requesting this be removed from my record immediately. This is going to impact my credit score even further due to needing to have another inquiry to obtain credit after this denial. Choice Recovery, the collection agency has sent me a letter showing that this is being requested to be removed from my son 's record. They state it was not filed on mine, but clearly it is. Please remove this from my record.
I was injured at work and I received a secretly check by the employer that I did not know about until now XX/XX/XXXX2018 how is it that know one know this and somebody working my social security.i didn't work much and somebody was working under my name somebody madea claim of child taxis, I have no child they taking away my benefits
This account was closed last year. I sent a letter and money order to CEO, for account deletion. On XX/XX/XXXX I pulled my credit report and saw that I had a balance left with XXXX XXXX XXXX in the amount of {$160.00} which was what reflected on my credit report. On XX/XX/XXXX I contacted XXXX XXXX XXXX and spoke with XXXX whom informed me that any correspondence would need to go to the Office of Compliance at XXXX. XXXX XXXX, XXXX XXXX, TN with attention to the Office of the CEO. I wrote a three paged letter explaining the reasoning as to why I fell behind, and asked that if the account was paid in full according to what is being reported with the credit bureaus that the account be deleted from all three burueas. I also wrote directly on the money order number XXXX that in cashing this money order you consider this account paid in full and agree to remove the account from all three credit bureaus ( XXXX, XXXX, XXXX ). As of today XX/XX/XXXX I contacted First Progress as to the status of the agreement and was informed by XXXX and XXXX XXXX that my payment was accepted and processed on XX/XX/XXXX. However, the company did not remove the account and on XX/XX/XXXX at XXXX XXXX reported the account to my credit as negative, with a XXXX balance. I am requesting that the company comply with the agreement that was set forth in the letter and on the money order that they processed and delete the accounts.
account from XXXX is over 5 years old. This should have been taken off my credit report already and it 's keeping my score down and hindering me from purchasing my first home. I attempted to dispute it with Transunion and the company took more points of my credit score and they reported it again. Please remove from all XXXX credit agencies.
The following inquiries are fraudulent and need to be removed from my credit report. I spoke with a representative on this situation as well as disputed them online and nothing happened. I am a XXXX Veteran and a member of a protected class. I will resort to legal options if this continues. 


Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX XXXX : XXXX - XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX : XXXX INFO SERVICES : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX
Just by creating an account I was automatically subscribed and billed to a {$19.00} fee for a useless service.

These are the steps shown on the screen during account creation. There is no mentioning of a fee or any order button at any point in time.

Step 1 Tell us about yourself Step 2 Create your account Step 3 Verify your identity I tried to get help from the customer service and they said they can't help me with a refund. 

Here is the link to the form : XXXX XXXX XXXX XXXX XXXX XXXX
I went to XXXX for 2 years - from XXXX through XXXX, graduating XXXX XXXX. I utilized student loans directly through UTI as well as Fed XXXX. When I graduated, I paid off all of the student loans - however, XXXX did n't have information from Fed Loan at the time so they were not included when I paid off all other student loans ( XXXX XXXX was the servicer -- nearly {$40000.00} ). In XXXX XXXX - Fed XXXX called to let me know I was delinquent on XXXX loans. I had no idea these were outstanding. Fed XXXX indicated that it happens quite a bit - that XXXX deferred the loans for a year - then submitted for repayment. I immediately made payment arrangements - and they indicated that they would put the delinquent payments into forbearance and would be paid at the end of the term. New payment schedule was made beginning XXXX XXXX - which I have been current on every month. 

When I applied for a home loan I found out that Fed XXXX incorrectly labeled my credit as delinquent over 150 days! I immediately called them and was told to file a dispute through their web site - which I promptly did. They " corrected '' the status to read XXXX, but was 90+ days delinquent from XXXX XXXX - which was not correct, in addition to what Fed XXXX told me they would report. 

Fed XXXX will not change the status - they are being deceptive in how they treated me and are unwilling to accommodate my requests. My credit score has been hindered significantly through no fault of my own. 

Please let me know if you need any documentation - I can provide anything you might need to correct this false credit reporting.
On XX/XX/XXXX, we noticed a transaction for {$60.00} had been taken from our checking account via XXXX XXXX. As we do not have the app, we reported it to our bank Wells Fargo. We then discovered 11 other transactions totaling {$84.00} had been taken over a period of 3 months. We opened a claim with Wells Fargo and were told they would normally only go back 60 days, but it would be sent to a special team with a view to getting a total refund. Was also told that the pending {$60.00} could not be stopped and would have to go through our account. Making the claim was no easy task and my wife was refused access to speak about it, even though the account in question is in her name also. Was also told that if we wanted to avoid fraud, not to use Wells Fargo debit cards. 

We then contacted XXXX XXXX with a view to highlighting this fraud and after a few emails, they stopped replying. They have now been reported to the XXXX XXXX XXXX, with no resolution so far. 

On XX/XX/XXXX, Wells Fargo refunded us just {$74.00}. This time we were told that the bank would only pay for transactions 60 days from the first fraud date - not 60 days back from the claim date as we were told. Essentially they agreed that the entire list of transactions were fraudulent, but they would only refund half of them as they had not been reported in a timely manner. This is despite us being covered by zero fraud liability and reporting this whilst a fraud was pending. 

On XX/XX/XXXX, we visited our branch and spoke with the manager who assured us that zero liability means just that and he escalated our complaint to the Resolutions Teams. We provided a chronology of events, names, discussions and lies we had been told by Wells Fargo customer service agents. This was photocopied by the branch manager and sent to the Resolutions Team. We were assured we would have an answer within 1 business day.

3 business days later, we were informed after chasing them that our complaint had been forwarded to Operations Executive Office and they had until XX/XX/XXXX to respond. 

On the XX/XX/XXXX, again we chased them and again, the agent dealing with our claim was unavaiable. Undeterred, we waited on the phone to speak to someone else. We were then informed that a decision had been made on XX/XX/XXXX ( but no one had bothered to contact us ) The decision was that they refused to refund the outstanding {$70.00} as it wasnt reported in a timely manner, despite the FACT it was reported while the charges were pending. We were told this is as far as we could go with Wells Fargo. 

There was no mention about the test of the complaint or how we had been treated and lied to. We then contacted our bank manager with a view to shutting down all 4 of our Wells Fargo accounts and he could offer no compromise. We deem this necessary has Wells Fargo can not and will not safeguard our money. We have been the victim of fraud through Wells Fargo many times in the past, but naively chose to stay. After 35 years of loyalty, they will lose a customer over {$70.00}.