WillisBack/dataset-financial-user-claim huggingface dataset:
RE : Equifax Temporary Freeze Lift Service tool free # XXXX ; automated not user friendly and telephone prompts malfunction. I was not prompted to provided my XXXX digit PIN Number by telephone and online Equifax service. On Tuesday, XXXX XXXX, 2016 I made five separate attempts to access the Temporary Freeze Lift from XXXX XXXX, 2016 to XXXX XXXX, 2016 to no avail. This morning XXXX XXXX, 2016 around XXXX, I telephone Equifax at XXXX and spoke with a live Customer Representative named XXXX . XXXX was instrumental in assisting me with the following : 1. Free Annual 2016 Credit Report ; 2. Educated me on the how long certain information remains on my credit history and provided me with a tool free number to speak with a customer representative that could temporary lift my credit freeze. XXXX was most professional, informative and very polite. The toll free number I telephone was XXXX, I spoke with customer representative " XXXX '' I repeated the above request mentioned and was told that she could assist me but I would have to pay a {$3.00} fee because I was speaking with a live rep. I explained to XXXX that Equifax system is programmed NOT to allow me to temporary lift a freeze online as well as thru Its automated system. XXXX told me she would assist me and asked for my credit card information. Due to nature of which I need the temporary lift, I gave XXXX this information. XXXX processed my credit card and charged me {$3.00} then told me that due to the fact that she 's located in the XXXX XXXX, it would take approximately 2 weeks before my request would be processed. I asked XXXX if I could speak with an American XXXX in the city and state of XXXX, GA and she told me no. The dates I need the lift is XX/XX/XXXX to XX/XX/XXXX. XXXX waited until she got my credit card information and processed my card before she told me that the dates I need wo n't happen. This is not good customer service and I request the following : 1. That Equifax reinstate me to use the automated temporary freeze lift and not have to give my confidential information to to foreigners outside the United States. 
2. Mail me a confirmation to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX # XXXX, XXXX, GA XXXX and that it has included me in the automated phone listing so I can once again access my own temporary freeze lift and not be sent outside the U.S. which is a major red flag in dealing with my personal confidential information. 
3. Allow me the opportunity to also conduct the temporary freeze lift online because It has also blocked me from doing it that way. 
3. Refund me my {$3.00} back to my card account because this is not my fault. 
4. Please reply back to me within five ( 5 ) business work days regarding my complaint issue. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
I have a home in California. It is a VA loan through Citimortgage. I feel like I have been given mis-information on several occassions. My home is now in jeopardy of foreclosure. I have asked for assistance in getting my loan modified. I realize there was recently a lawsuit involving Citimortgage, and I want to know if I will be included in the class action. " Citi 's subsidiaries gave the runaround to borrowers who were already struggling with their mortgage payments and trying to save their homes. '' I was sent information to complete in order to modify my home ... each time a modification was given ..my monthly payments were never lowered ... .recently I was sent a hardship package that I completed just to be told it was not received when I said i faxed it as well as sent it to the citi doc email- i was told it was not legible. I then received a letter stating i had till XX/XX/XXXX to return information ... .yet i just got an email from XXXX XXXX stating hurry up and return docs or my case will be closed without review. I am currently XXXX to a potential XXXX in XXXX and now my focus is on trying to save my home.
XXXX XXXX XXXX, stated that I recently opened an account with them in fact this was in XX/XX/XXXX-XX/XX/XXXX and was filed bankruptcy on I shows I have a open account of {$430.00} it was add to my list of bankruptcy. See supporting documentation.
On XXXX/XXXX/15 about XXXX. I stopped at an ATM to deposit cash ( {$620.00} ) into my account, well the ATM took my money and did not add it to my account nor did it give me a receipt. I tried multiple times to try and get it to add the money to my account/ spit the money back out or to at least give me a receipt and it did n't do either. I immediately went into the bank 's location and tried to get someone to check the machine and give me my money back, I was told by XXXX of the personal bankers that I would have to wait for an ATM tech to come out and audit the machine, I then asked when would that be and he could n't tell me. I was n't satisfied with that answer so he then went to the bank 's manager and told her the situation and she stated the same thing that I would have to wait for the ATM tech and again I asked when would that be and she could not give me the answer either. Still not satisfied I went to my car and called the XXXX number and spoke with a CSR who also said that there was nothing she could do and then gave me a claim number. Frustrated I went on to work and logged into my account and I sent an email concerning my situation/frustration. I then had XXXX reps to contact me the following day stating that they received my email and that someone was working on it. They then sent a letter a couple of days later saying that they would temporarily give me the money that I put in the ATM - at that point I was ok because of course I had bills to pay. Then on XXXX/XXXX/15 I find out that they took the money back saying that during their investigation they did n't find anything out of order and said that they sent me a letter that I had not received, I received it later on XXXX and of course I was back on the phone again XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 & XXXX/XXXX/15. During the course of speaking with some of the CSR 's they said that they could see where I was at the ATM but could n't confirm that I put in the amount that was stated. Needless to say I was/am furious ... During my conversation with each of these XXXX 's I 've been able to tell them exactly what I put in the machine and no one is believing me. I have since been told that they are working on the claim again trying to see if there was some fraud of some sort. I 've never been involved with anything of that nature. I 've been with this bank for many many years and have never had any problems of this sort and I 'm furious that they would not send anyone to open the ATM at that moment which would have cleared all of this up. I have asked for a copy of the research documents/photos and was told to call back, when I called back I had to leave my name and number and no one has called me back to this day XXXX/XXXX/15 and I am very upset. I have names, numbers, dates and times of each and every person that I have talked to but it seems as if they are not listening to me and brushing me off. I do not have {$620.00} to give a way and I will not let this rest. Please help me resolve this issue.
my name is XXXX XXXX I have never lived on XXXX XXXX in ohio my ex husband married a girl that lived there her name is XXXX not me XXXX
Yes cuz somebody of open discount when they were in XXXX I was in XXXX XXXX XXXX XXXX XXXX so somebody had my ID and identity fraud on for that account the date it was opened
There is an XXXX XXXX account from XXXX with account # XXXX that is not mine. There is currently a charged off balance of {$1900.00}. XXXX XXXX can not validate any information on this account. I mailed disputes to the credit bureau on the following dates to have this account deleted : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. The credit bureau continues to respond saying that their reporting is accurate according to XXXX XXXX. This is where my problem starts and is also the reason I am submitting this complaint. On XXXX XXXX, I received a letter from XXXX XXXX requesting that I fill out an " Affidavit of Identity '' to investigate why this account is being reported to my credit. On XXXX XXXX, I signed all the required information and had my affidavit notarized by my local XXXX XXXX in Texas. A couple of days ago, I finally received a response directly from XXXX XXXX telling me that they do not have an application or signed contract that validates this account belongs to me. This is a huge problem. For the past XXXX months, the credit bureau has been telling me the account is being reported accurately to my credit. IF this is true, then why ca n't XXXX XXXX provide me any validation for this account? This suggests to me that the credit bureau is not taking time to process my dispute properly and is taking the least absolute effort to help me find a solution for my issue. I have no knowledge of this XXXX XXXX account and according to the Fair Credit Reporting Act, if information can not be properly validated, it needs to be deleted immediately from my credit report.
Wells Fargo has sent me a notice stating that they are charging me late fees for being late XX/XX/2016 My loan is a federal VA Loan, which terms clearly states that regardless of banks use of the XXXX as a payment date, my loan is not late unless I make payment, after the XXXX of the month, which has never occurred. My monthly mortgage PI payment of XXXX ( attachment A ) was sent to Wells Fargo, on XX/XX/XXXX and they cashed it on XX/XX/XXXX ( check # XXXX ) Wells, claimed that the check was late, and issued a late fee and sent me late notices, however the document, Certification of Loan Disbursement from the loan closing, shows the Mortgage account, PI amount, and Check # XXXX for that amount, XXXX was cashed on XX/XX/XXXX by Wells. VA regulations state that late is after the XXXX. 
Further, additional payments were made to my separate, escrow account, and cashed on XX/XX/XXXX for the amount of XXXX ( # XXXX ). 

XX/XX/2016 they were shown to have removed XXXX from my Principle account to my Escrow account, ( Attached B ). 

In XX/XX/2016, Wells Fargo Issued a monthly year to date summary ( attached C ) with a year to date escrow payments of XXXX, but in the same statement is saying the balance is XXXX, what happened to the other XXXX? There are also the unapplied funds of XXXX on the statement. 

XX/XX/XXXX, I received Check # XXXX ( Attached D ) deposited on XX/XX/2016 from Wells Escrow disbursement, to which it was never explained whether the check was for overages, or why was it given. 

XX/XX/2016 ( Attached E ) the escrow part of the monthly statement is showing a balance of XXXX, and unapplied funds of XXXX, which if added to the escrow, would total XXXX, and if you figure in the escrow disbursement check sent for XXXX, would equal, XXXX exceeding my total yearly escrow disbursements TI requirement of XXXX, with 5 months left in the year, indicating it will exceed the low point of XXXX by a considerable amount and support my position, that Wells Fargo never took the 2015 year end balance into account when determining what escrow amount was needed. 
If I sent in the amount of XXXX per month for the remaining 5 months, there will be XXXX, to be added to escrow, more than doubling the legal low point. Moreover, if I were to send in the amount of XXXX for the remaining 5 months XXXX would be added, closer to tripling the legal low point ( XXXX XX/XX/XXXX ) When I bring these issues to Wells attention, they refuse to give honest and straight answers, most often will try to answer questions that are not being asked, stuff a lot of data in the reply that is unrelated to the questions at hand, ask for more time to do research, but still do n't seem to address the questions I ask, and even more disturbing is that they continue to misapply funds and deposit checks written to my mortgage PI account to my escrow account, and apply my escrow deposits to an unapplied account, misapplying and trumping up late charges. There is no shortage in the escrow, but there is considerable excess. 

Thank you.
I was contacted on XXXX XXXX, 2016 by XXXX XXXX ( or XXXX XXXX ) from XXXX XXXX. She told me that i should contact XXXX XXXX XXXX immediately or I will be served tomorrow. I called that agency immediately with that number XXXX. I spoke to a woman that asked for my reference number ( XXXX ) and transferred me to a lady name XXXX XXXX ( or XXXX ). This is the second time this company has contacted me. The first time was XXXX, 2016. They claim that they sent me letters in regards to this matter, which I never received. When I told that I never received them, she called me a liar. I asked for which court was this claim filed. She first said it was Superior Court in XXXX, XXXX. There is no such thing and I questioned that. But she continued to tell me that she meant Superior Court in XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX and the number of the court. I asked for the case number instead she gave me the same reference number. I specifically asked for the case number and she said I will receive all that information tomorrow when I get served. Anyway I looked up that same reference number in XXXX, XXXX, & XXXX and it does n't exist. There is no case that has been filed against me and according to my credit report my account is paid in full and closed. I am tired of the harassment. They keep calling my mother 's house and now they are calling my cell phone as a " Restricted '' call. I do not know why they are telling me that I have a debt because I do not.
I SHORT SALE MY HOUSE IN XXXX OF 2010, WITH CHASE MORGAN XXXX.YET THEY ARE STILL REPORTING ON MY CREDIT REPORT XXXX OPEN LOANS WITH INTREST REOCURRING EVERY MONTH AND THEY SAIDTHE LOAN HAS BEEN CLOSED ON THERE END BUT THE CREDIT REPORTING COMPANIES CONTINUES TO REPORT IT. HELP ME PLEASE
For past several years I have applied for IBR. It requires renewing on an annual basis. I submitt required paperwork, and in followup conversations Navient reps tell me they are processing my request. However, many months into the application process they tell me to file forbeareance or hardship, because they say they still have not processed my request for IBR and will get back to me.

By the time I am granted IBR, it is already time to renew IBR, or it is never processed and they have no record I applied.

Thus my complaint is as follows ; they steer me away from IBR, by delaying my application process for IBR toward forbearance. Navient is not transparent about why the IBR application process takes so long or why at times it is never processed and will not fix the problem after many attempts on my part at communicating the problem to them. Navient has never made an attempt to expedite my IBR request and seems ignorant or clueless about why they can not process my request.

I have never been granted an IBR in a timely way. It takes longer then 2 months, sometimes 5 months to process an IBR, if at all.
this account is not mines it 's belong to some one else please removed it from my credit report XXXX Account Number XXXX Account Type Credit Card Terms Revolving
Everday they call my number between XXXX and XXXX after being told it is not my debt, they say they will remove my number but apparently never do.
I have an auto loan with PNC Bank Pennsylvania ( headquarters ). My car note is due every XXXX of the month and I've never missed a payment nor been late. PNC has double standards of accepting payments. I've only personally made one in person checking account payment. The rest were paid by debit card. On XX/XX/2018. I initiated contact thinking this Saturday was in fact the XX/XX/2018 and found out that I was a day late. I have explained to PNC my confusion dilemma in getting the dates mixed up and attempted to make a payment as usual by debit/credit card. PNC declined. I'm making payment from a different card than what's on file and couldn't provide the account and routing # s while on the road and PNC declined to take my card payment as I attempted to make my card payment as I've always done since XX/XX/2018 when I traded in a XXXX  for the XXXX. I filed a complaint, was promised a call back from managers who never returned my calls, went through to escalation managers and they refused to take my card payment. I've made numerous card payments over the phone as I mentioned earlier since I acquired the loan in XX/XX/2018. In fact the only major form of payment I make is by card and somehow they refused to take my card payments while it dwindled on for the next couple of days while I work out my card payment solution. I want to get out of PNC but the loan they gave me according to other banking institutions were bogus and are refusing to buy me out PNC. I have called 8 times to PNC this XX/XX/2018 at XXXX, XXXX, XXXX,, XXXX, XXXX, XXXXand XXXX respectively and XXXX to make a card payment of $ XXXX.++ ; yet no manager called me back and was transferred from department to department in the attempt to resolve my card payment dilemma yet by the end of the day, my payment was not received because PNC refused to take my card payment.
XXXX XXXX XXXX is still not reporting my mortgage payments. They have not reported payments from XX/XX/XXXX- XX/XX/XXXX. This information need to be updated. It is affecting my credit score. I was told they report payments monthly. But they are no reporting my payments monthly.
XXXX XXXX, XXXX XXXX and XXXX reporting last payment date of XXXX. I never had any credit cards in default since XXXX. All cards paid in full and closed in the year XXXX. They deliberately moved the last payment date to the year XXXX so that I will be rejected for the low income cooperative. I was rejected for the low income cooperatives loan because of this falsified information. I am serving court documents to have you all appear in court. See attached seven reportings of credit cards last payment in XXXX. Double reportings with different account numbers
1 ) I have been in contact with XXXX XXXX XXXX XXXX ( XXXX ) and sometimes refer to themselves as First Advantage about a dispute I am having with their client who is placing a collection on my name. 

2 ) I have then emailed the collection agency correspondence and shown evidence of now responses by their client about the dispute. Their client do not take calls or return emails. 

3 ) XXXX have acknowledged the matter is in dispute however, have still placed the matter in collections and effected my credit rating. They claim unless their client allows them to remove my name from collection they will not be doing so regardless of the dispute.
I have a credit monitoring account and it showed that my inquiries were removed on Transunion. I received an alert a week later and all of the inquiries were listed on my account again. Transunion did not notify me of this taking place which is illegal. I called them to remove the inquiries but they only removed XXXX.
Citibank ( Best Buy ) has called my home multiple times a day for the last week. They are trying to locate a man named XXXX XXXX XXXX. Although I have had my phone number for eight years, the number did, at one time, belong to XXXX XXXX and his wife XXXX. Over the years I have received a number of debt calls for this couple but when I 've informed the debt collectors that I am not a member of the XXXX family and I do not know them, the calls have stopped. Unfortunately, the calls from Citibank have continued. When I complained to them, they told me that their system shows that my number is the incorrect number for XXXX XXXX but they said it will take a little time for their dialer to catch up. I want the calls to stop. I do n't care that their dialer needs to catch up. This is not my debt and the calls need to stop immediately!
I have a unverified account from XXXX XXXX XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that XXXX XXXX XXXX Cease and Desist all further communications.Credit Collection Services needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.
Dear Sir/Madam, I would like to express my disapointment of the representatives that works for the Wells Fargo Bank. On XX/XX/2015, I spoke to a representative of Wells Fargo Bank in regards to obtaining pertinent information of my account. Since I would like to expand in areas of my XXXX and as such the information is one of the requirements for this expansion. The information required were : Account Holders Name, Account Number, Six Months Deposits, A statement showing there is no lien on the business account, and I attest that none of the funds used in this account is borrowed and is immediately available for Cater Home Care use. 
This business has been a customer of Wells Fargo for over one year and seeing that there is a six months requirement I felt that it was only fair that Wells Fargo furnish me with the true and authentic information required. I have spoken several times to representatives of Wells fargo and they have either refused to furnish me with the information needed or fax and mail information which was not asked for. 
This situation has become an issue between Wells Fargo Bank and my business and I have found it appaulding since I am only asking for information that was processed between Wells Fargo Bank and XXXX XXXX XXXX XXXX. 
I am therefore requesting that action be taken to relieve this issue and furnish XXXX XXXX XXXX with all the documents needed so that the business can move forward as soon as possible. 
Respectfully, XXXX XXXXAdministrator XXXX XXXX XXXX.