WillisBack/dataset-financial-user-claim huggingface dataset:
I sent XXXX And Equifax multiple requests regarding removal of an old mark on my credit from XXXX XXXX XXXX. 

Accordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way.
I have been making payments on my credit card bill on time and more then the amt due and Macy 's have lowered my credit limit twice. The first time I dealt with it but this time they took all the money I had made and left me with a {$500.00} limit and available {$29.00}. I made a total of {$370.00} ( available credit ) and was left with a balance of {$420.00} to pay off. Macy 's had no reason in lowering my credit limit. I cancelled my card and will be cancelling the last payment made with my bank. Macy 's does not appreciate their customers especially the ones making payments on time. How can you just take away my money?
I have an FHA mortgage through PNC bank and have been working with the PNC and our attorney to process a Deed-in-Lieu of foreclosure since XXXX XXXX. 

Four months ago, the final signed documents were submitted to PNC for the final approval for DIL recording. At this time, PNC through communication with our attorney stated everything was complete on their end, and no further documentation was required. PNC stated they were waiting for their law firm to submit the XXXX title to XXXX XXXX for recording. 

Since then, our attorney has called PNC 2x/week to which they have said, they have not received any update from their law firm. Our attorney for the last three months, has reached out to the law firm representing PNC 2x/week and all attempts have gone unanswered. 

To date, there is not county recording of the property being turned over to the bank, even though they said everything was submitted. 

PNC is telling us everything is complete, and deferring the non-processing issue to the law firm, but have not provided any direct feedback on the status of the XXXX submission. 

I believe this is an intentional delay by PNC and they have are providing us bad faith.
I am a victim of credit card fraud or identity theft. I looked on my credit report and saw a bunch of different credit cards from capitol one and also saw some strange looking items from strange companies and a doctor office. I would like all of these credit cards and charges removed from my credit. please respond as soon as possible.
I disputed the balance and status of my mortgage lender and servicer on several occasions to various agencies. On XX/XX/XXXX the grantor reported to XXXX Credit Reporting agency that the dispute was settled by the grantor, the balance is zero and the account is closed. I was not aware that the grantor closed the account with a zero balance until XX/XX/XXXX. Ocwen has not updated any bureaus regarding this account since XX/XX/XXXX and Ocwen has decided to Non-Renew its forced placed insurance on the property. Upon finding out about the XXXX balance I contacted the attorney for the lender and its servicer and substitute trustee informing them that the balance was zero and the default no longer existed. I also asked if they were still claiming that a balance was owed that they should notify me. Despite the account being closed with a XXXX balance Ocwen provided a reinstatement amount in excess of XXXX. Since the dispute has been settled and the account closed Ocwen and its agents and officers are violating the law by attempting to collect on an account where there is no balance and the account is closed. In XX/XX/XXXX Ocwen signed a consent order in federal court stating that it would refrain from certain actions and were made to make payments to homeowners that had a valid complaint. I filed my complaint in regards to the National settlement and was awarded a small check. Ocwen has continued with mishandling of this loan despite its consent order.
Experian put a " Security Alert '' on my account due to incorrect and false information they received from XXXX. XXXX purposely and maliciously assigned a non existant address to me. I have been fighting with XXXX for over a month about this and now they have reported the incorrect details to Experian and to XXXX. This matter needs to be solved and the false address completely removed from my account info ( on all three agencies ). XXXX XXXX does not exist. I live on XXXX XXXX.
XXXX has been notified of my incorrect account balance for a XXXX account which should be showing XXXX
I requested verification of a debt owed to  American Honda Finance  via the  XXXX   XXXX   XXXX  and received papers that have been fraudulently signed by someone other than myself and  one  of the signatures does n't even have the correct spelling of my name. The only accurate signature shows the account has been fully paid. All others are fraudulently signed. Someone has also added fake references to this application. I have no knowledge or connection with any of the references listed. Additionally account history as of  XXXX  shows a total due of {$0.00}
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX Reported incorrect Information on my credit reports and I called these three major credit Bureaus to clear all their derogatory reports, but they have not complied since 2002 till present. 
XXXX, XXXX XXXX, AND EQUIFAX made my life miserable. 
I can not refinance my house loan. 
I can not cash out since 2002 till present. 
As a XXXX XXXX  I can not do " A '' loans for my clients because of the damage they have done to my credit. Their damages to my credit suggests that I have bad credit, which makes me ineligible to help clients who have good credit. They have defamed my character with false reports. 
Credit card companies will not approve me. 
Banks will not approve me to obtain loans. 
I have to purchase Bond to enable me to do b and c loans.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX Acct XXXX  ( Experian, XXXX  XXXX  ), XXXX Acct XXXX ( Experian, XXXX  XXXX  ), XXXX XXXX XXXX Acct XXXX  ( Experian, XXXX XXXX  ), XXXX XXXX XXXX XXXX Acct XXXX ( experian ).
On XX/XX/XXXX I reserved a condo in XXXX XXXX and transferred {$800.00} to the " owner '' of the condo through the XXXX app in my Wells Fargo 's online bank account. After the money was transferred, the " owner '' of the condo cut off communication with me and I have n't heard from him since. I opened a claim through Wells Fargo and it was closed. I re-opened the claim and a representative of the bank called me yesterday stating I would not be receiving my money back.
I have two Discover credit cards. I used XXXX XXXX bill pay services to pay the XX/XX/XXXX payments and received delivery confirmation on both checks. One was on XX/XX/XXXX ( Amount {$300.00} ) and XX/XX/XXXX ( Amount {$750.00} ) respectively for each card. Both checks are CONFIRMED as delivered by XXXX XXXX XXXXs. To get the payment address I used XXXX to locate the Discover website that published the payment address by typing " payment address for Discover Card ''. 
The search resulted in the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This shows XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX as the payment address. Furthermore, the link goes to : https : //www.discover.com/XXXX  which is a published web page for Discover payments. The checks I mailed to this address were not cashed ; however I have payment delivery confirmation. A few weeks later, Discover reported me as 30 days late on my credit report for both accounts. Upon calling them to find out why, they maintain that the published address on their website is NOT the actual payment address and even though I have delivery confirmation, they refuse to reverse the negative credit reporting even though they were paid by me. 

This situation, through no fault of my own, has caused my FICO score to drop over 100 points and has caused me to be declined for credit on several very important loans. Discover should reverse the negative report since I can clearly provide delivery confirmation for the financial instruments and used a clearly published address.
I am customer with Wells Fargo since XX/XX/XXXX. I was trying to buy tickets to XXXX XXXX  online, and seller had good reason to selling at 20 % discount. We agreed to 50 % before and 50 % after I receive my tickets. I was buying 8 tickets and discount was significant I transfer {$220.00}. Phone number of seller was XXXX and money was sent using XXXX at XXXX and was sent on XX/XX/XXXX, this account is with XXXX ( US ) per Wells fargo Agent. My bank today informed me, there is no protection as I sent the money. When I had called on XX/XX/XXXX after seller stopped responding to txt ( he/she ) was at work so couldnt talk, I sensed scam. I called wells fargo and asked to hold this money. It was showing pending and agent said, they have taken notes and will try to hold. Next day I was supposed to receive call back from Wells Fargo - didnt get call. I called, and found money was sent as this was XXXX   transfer. The app for wells fargo, doesnt have option to make standard ( 3 day ) transfer, that online bank website has, so money went instantaneous. Wells fargo agent said, they are working with counterpart at XXXX to revert, but today agent says they can not do that, as I made transfer. Why not put a hold and ask each to prove why money was sent or why received, especially when complained? What protection does online money transfer provide? Or bank to bank relation ship between wells fargo and chase. They are helping fraudster 's with this, they allow them to open account ( i think even that was using wrong id ) and supporting by not holding this amount and others. The phone number is inactive since XX/XX/XXXX (  later in day ). So are the banks telling scamming is much profitable business than earning 8-5? That while they open accounts in your name, they can not protect your money, especially when a customer calls SCAM on this transfer?
I had home owners insurance with XXXX XXXX ; however, I decided to change to XXXX. I had home owners insurance with XXXX ins. until XXXX or XXXX of XXXX. I switched to XXXX in XXXX, XXXX. Wells Fargo place home owners insurance on my house at a cost of {$1800.00} a year -- -saying that I had no homeowners insurance. I called Wells Fargo, the customer service person told me to go the their website and up-load the insurance binder to them and everything will be fine. I did upload this to the website provided and thought everything was ok. Unfortunately, I receive another letter from Wells Fargo stating that they have actually purchased the insurance through Wells Fargo. At this point, I called XXXX and explained the situation, XXXX called Wells Fargo and sent them the insurance binder to the address that was given to them by Wells Fargo. I though everything was okay, but on XXXX XXXX, XXXX, I received another letter from Wells Fargo that they said that I broke an agreement to keep insurance on the house. I called XXXX to make sure that I still had insurance on the house, they said everything was fine, that I did in fact have home owners insurance until XXXX, XXXX
Case # XXXX-XXXX  was closed but not solved. 

In Associated Banks response they admitted that their employee did not stop/opt out of their overdraft protection service as I requested back in XXXX to which resulted in my account to be allowed to go negative twice for {$2000.00} each to which I had to borrow the money to cover it. 

They did refund the overdraft fees but should be partially responsible for the money allowed to go negative. 

Thanks for your cooperation. 

P.S. 
I do not want calls from them since I received harassing calls on the first complaint from them. 

All correspondence will go through this site.
On  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX , TX  XXXX   XXXX  inputted a credit inquiry on my credit report without my authorization.
I disputed to issues on my credit report. Providing proof both claims were paid in full and one as false account/loan number I did not sign a contract.
My mortgage was originally With XXXX XXXX, then sold to XXXX, sold to XXXX and then sold to Bsi financial. Bsi financial does not answer their phone, return calls, and they lose documents submitted and Certain departments of BSI do n't even see me as a consumer. I keep submitting that I have insurance on my condo and when I call the insurance department of BSi they say no loan exists in my name. I could be making payments and sending my information to where? Also my interest rate keeps increasing every year. I can not afford this and when I submit paperwork they tell me it 's not valid or expired. I do n't want to lose my home. Today I waited 2.5 hours on hold and then a message came on to leave a voicemail ( I have done so and emailed but never hear a response back ). 
I was also told that my person of contact is a XXXX XXXX, I have called him, left messages, to no avail since XXXX. I can not connect with him. 
Something needs to be done.
I no longer have access to my account as its been 'temporarily disabled ' by Coinbase following a number of incorrect password attempts. I 've contacted Coinbase on the XXXX XXXX 2017 ( support case : XXXX ) asking them to re-enable my account to manage my wallet. I did n't receive a response, even after a chasing email. 

I raised another case ( XXXX ) since and received a generic response linking me to a guide to reset my password, which is unrelated to my issue ( I did perform a password reset in case this was the resolution, however it was not ). I replied to this email with screenshots of the 'temporarily disabled, please contact support ' message, but still have not received a response. 

Until Coinbase unlock my account, giving me access once again, I can not access any funds in my wallet.
Debt is not valid. I do n't have a contract with collection agency. I keep disputing and they keep sending me letters saying the debt is mine.
I am filing this complaint because Transunion has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section  611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '  that I have disputed. Please resolve this manner as soon as possible. Thank you.
Formal Complaint and notice of Violation of Credit Card Responsibility and Disclosure Act of XXXX Attn : Office of President U.S. Bank Reference : Account # XXXX Operator : XXXX # XXXX Mr. President, I attempted to call in to your company on XXXX/XXXX/XXXX and make a payment on my account. My account currently shows XXXX separate APR 's and my attempt was to pay off in full the higher interest rate of 23.24 % at the sum of $ XXXX. This would leave the remaining balance of $ XXXX at the lower interest rate of 18.24 %. This would leave me 11 days to pay the " minimum payment due '' before the date of XXXX/XXXX/XXXX. Federal law clearly states the following : Handling of Payments Credit card companies are now required to abide by certain rules regarding how to handle payments made on an account. One of the most important changes is that for customers who have multiple APR 's applying to different types of debt credit card companies must now apply those consumer 's payments to debt in the order of the highest APR first. No longer can companies apply payments to debts with lower APR, while leaving debts with higher APR to accrue interest charges. '' Your operator XXXX # XXXX refused to take my payment and apply it to the higher interest rate today. He was n't refusing to take my payment but did state that he would apply it elsewhere leaving the higher interest rate balance to accrue the higher rate of profit to your company. This is a clear violation of the Credit Card Responsibility and Discloser Act of XXXX and I request your assistance in correcting this complete and total disregard of Federal Law immediately. My goal is to satisfy my debt as soon as possible but when a consumer calls into your company, not only is he met with a total disregard of the law but an obvious attempt to gain the most profit for your company as possible. This is not only illegal but immoral. Furthermore, I request a lower interest rate on the remaining balance as a sign of good faith on your company 's behalf to show that you are trying to at least help your customers who may have experienced a tragedy in their life beyond their control. I do understand that you are in the business to make money and profit to which I have no disagreement. I 'm merely requesting a lower APR on the remaining balance to facilitate a consumer making some progress in paying the debt off faster. This would also show a sign of good faith due to your employee 's total lack of complying with the Federal Law.
I hold virtual currency in a XXXX XXXX provided by Coinbase.com. 

To withdraw funds from the XXXX XXXX I must respond to one request for authorization that is sent by Coinbase.com to each of two separate email addresses I provided to Coinbase.com for this purpose when I set up the XXXX XXXX. 

Unfortunately I am unable to access the second of the two email accounts I provided for this purpose and, though I am actively trying to recover access to this email account, I CAN NOT AFFORD TO WAIT FOR IT 'S RESOLUTION BEFORE I NEED TO ACCESS MY COINBASE.COM XXXX. 

On XXXX @ XXXX XXXX PST I contacted Coinbase.com with a request to fix this problem and received an automatically generated response which states " Thank you for submitting your request. Due to increased volume it may take several days to receive a response. '' This is not a response that is appropriate to a company entrusted with the management of customer funds.
I have received numerous calls from this # stating i owe a debt ; when call back must wait 10 min. to leave message to send a written bill & DO NOT CALL ME AGAIN! They persist. Can not understand the caller when I 'm able to answer. I do NOT owe ANY debt I am aware of! Why have I not received a bill in mail? On web, this # is dubbed telemarketer.
RoundPoint Mortgage ( RPM ) : Loan nr. XXXX - PMI removal Dear Sir : I got That mortgage about 3 years ago, the purchase price of my house at : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX was back then {$450000.00} Since the market lows back then, Florida Real Estate market has been on fire, adding average of 5 % annually in property values. 
Due to that my intention was to contact you and request the removal of PMI since my LTV went down to 78 % : Balance {$350000.00} : purchase price {$450000.00} & gt ; 78 % I was advised that RoundPoint Mortgage was not able to use a purchase price and new appraisal was needed. Cost {$400.00}. 
Since the cost of that would be recouped in only 2 months of PMI payment, I decided to go forward. 
I was sure my house would appraise easily at $ XXXX or more since listings for identical homes on my street show {$590000.00} range. 
You can imagine my disbelieve when I received from RPM an attached letter stating that my request to remove PMI was denied. 
Reason : LTV shows 86.56 % WHAT?! 
It did not make any sense. I called and after long hold I was advised that appraisal came in with the value of {$410000.00} ... .which Is $ XXXX less comparing to what I paid for this house 3 years ago ... Insane. Market was going thru the roof over the last 3 years! 
I looked up this particular Appraiser XXXX on the internet, and all the reviews where so negative, I have no idea how RPM can use such incompetent company. Example : " Avoid this appraisal company, if possible. I read a bad review about them before they did my appraisal. I gave them the benefit of the doubt, but they did the same thing to me. {$30000.00} below the actual value of my home. Immediately request another appraisal company before it 's too late. '' I had a funny feeling when the gentleman showed up in the car displaying " BUYING HOMES FOR CASH '' So this was his main business, he runs appraisals to show low prices and then buy homes for cash ... nice. 
They apparently combine for averages foreclosed homes values, use old data to come up with the lowest possible price totally disconnected from reality. Their business is to buy homes for CASH! Here are few insane points of that appraisal : House that sold for $ XXXX had a pool, still smaller by XXXX sq. feet than our house, pool is worth maybe $ XXXX. $ XXXX higher than mine? 

This is just to show you their incompetence. I have no intention to pay {$400.00} for such bunch of baloney. 
I decided to give RPM the chance to correct that problem and remove my PMI and/or arrange another appraiser that is competent and fair. I called and emailed them, nobody every cared to call me back. Instead, I got today another letter showing they decided to transfer my mortgage to another servicer ( to put an and to my PMI removal affair I am sure ) I hope we can come to some resolution as I know for sure my LTV warrants removal of PMI at this point. 

Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, FL XXXX XXXX
Contacted both XXXX  and TransUnion regarding an account that has been closed since XX/XX/XXXX but is still showing as open. When contacting these agencies, I received conflicting responses regarding the account. The account has been closed per XXXX XXXX  since XXXX. It is a XXXX XXXX XXXX account with a credit limit of {$2000.00}, opened by my wife, XXXX XXXX XXXX for which I am an authorized user. I was told that there is activity in XXXX, which is impossible, as we no longer shop at XXXX XXXX XXXX, etc. 
There is a {$0.00} balance on the account since XX/XX/XXXX. The account is not show open under her credit file. 

Please assist is having the account marked closed. 

XXXX XXXX XXXX
I have been waiting to finalize a Deed In Leiu for a year with Seterus. I received douments Saturday XXXX XXXX from XXXX County Circuit court containing suspicious content for the same mortgage. The document contain XXXX XXXX XXXX and his ex wife XXXX XXXX XXXX. 
It also contains the Quit Claim Deed executed XXXX/XXXX/XXXX. This house was my Mother 's who has been deceased since XXXX/XXXX/XXXX. 
The Plaintiff is XXXX XXXX XXXX XXXX. 
Please give me a fax number to fax these documents. 
XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX, AR XXXX P XXXX
No contract to confirm the debt and verify the legal obligation of the amount owed. This company states a debt that has not been confirmed and needs to be removed from credit.