WillisBack/dataset-financial-user-claim huggingface dataset:
I received XXXX letters on XXXX different dates ( see attached XXXX letter ) from AFNI Inc. that I am liable to XXXX XXXX XXXX for {$2100.00} regarding an incident ( auto accident ) that occurred on XXXX with XXXX XXXX XXXX. The letter clearly states that the facts of the case indicate I am liable for a loss incurred. The letter also states that the Department of Transportation may have been notified to determine compliance with the Financial Responsibility Act, along with the Secretary of States ( XXXX ) Office to possibly suspend my driving or registration privileges. Additionally the letter indicates that I may be charged {$4.00} for processing. 

I phoned the customer service center on XXXX at approximately XXXX PST and spoke with an unidentified female customer service representative. After providing the AFNI file number, the representative claimed that I was involved in an auto accident at XXXX and XXXX in XXXX XXXX, CA. I told the representative that I was not in any accident at which time she asked if my license ended in XXXX. I told her it did not and she replied " how about XXXX? ". Again, I responded no. She then said that was supposed to be my driver 's license number, not license plate. At this point, it was clear to me that she was fishing for information and I stated such. I also advised her that my last name was not the same last name on the attached letter. My last name is XXXX and the letter shows XXXX. She told me cops make typos all the time and I advised her that as a XXXX, I can assure her that we are required to file accurate reports. At this point I asked to speak to a supervisor, which she declined, then hung up. 

I am concerned that this company is using aggressive and flawed investigation and recovery techniques that would cause serious financial problems to people that are n't familiar with law enforcement reporting and investigation. I was targeted for financial recovery without cause and due diligence. There is no preponderance of the evidence, which was not listed, to find me liable in any way. I am not confident that this company will cease attempts to collect this debt for which I did not incur nor am responsible for.
bca financial has XXXX accounts listed on my XXXX report that i have no knowledge of and have never recieved a dunning notice on. i sent them a letter 2 monthes ago requesting validation but never recieved a response
Greetings, I have initiated a multiple disputes with EXPERIAN over the past few months to remove unauthorized/unknown Inquiries that they have failed to fully validated that I initiated. It has been well over the 30 days given for EXPERIAN to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to EXPERIANincluding my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized/unknown Inquiries belongs to me aswell. Below are the reporting Inquiries that should be REMOVED / DELETED from my EXPERIAN credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 3 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 4 ) XXXX - Date Filed : XX/XX/XXXX 5 ) XXXX   XXXX XXXX  - Date Filed : XX/XX/XXXX 6 ) XXXX - Date Filed : XX/XX/XXXX 7 ) XXXX - Date Filed : XX/XX/XXXX
On XXXX XXXX I obtained my free credit reports from annualcreditreport.com Experian 's report showed on my browser and then became unavailable when I clicked to view the whole report. I called Experian and they can not give me a reason as to why the report can not be given to me. 
Furthermore, I ordered Experian 's credit score product. After submitting my social security number and credit card, the website said there was an error and I would not be charged. I see a charge on my card today immediately afterwards. 
This is now XXXX product from Experian that are faulty in the same day
I have sent Equifax and XXXX XXXX numerous requests to investigate, verify and remove an account from my credit report/file that does not belong to me and they are not responding.
Payments are due the XXXX of the month ; payment was made XXXX - on XXXX received notification from XXXX that payment was over 30 days. This is the second month in a row that payments are not posted timely thus causing reporting to my CBR. I am already in enough XXXX and agony trying to maintain finances while my fianc lost his job, now to have my credit being damaged when I am trying to maintain. This is unacceptable - and 60 days to receive a response is not sufficient - this needs to be resolved for both months immediately!!!
After Hurricane Irma, I send my children up North to Maryland. While visiting XXXX, my son ran out of gas money so I wired him {$100.00} via Western Union. At XXXX on XXXX/XXXX/XXXX I sent my son XXXX XXXX {$100.00} via Western Union online services. I received an email shortly after submitting the money transfer request informing me that the transaction was being reviewed. I contacted Western Union. After waiting on hold for nearly 20 minutes, a male answered and reviewed the transaction, they transferred me to Compliance after nearly 10 minutes the call dropped. I called back after waiting another half hour the male representative informed that the account was being reviewed for fraud, I explained that I did not understand. I am sending money to my son and have done so in the past. He stated that he would send Compliance an email to resolve the issue. A couple of hours later I reviewed the status online and it stated that money was ready for pick up. My son located a pick up location after showing his Florida drivers license he was told he it was not available. The time was close to XXXX. I called WU again, again long wait. The male customer service agent stated he would send Compliance a  message, I said no I wanted to speak with them now. My son was without gas in XXXX. He stated that they would call me in less than 1 hour. it was getting close to closing time, WU locations close at XXXX. I called my son and told him to stay put. I called a relative in Maryland to pick him up. They did n't arrive until midnight to pick up my son and I was worried sick. The next day on XXXX/XXXX/XXXX I called WU and asked it money was ready for pick up, same story Compliance needed to verify my information, I was transferred over, call dropped. On XXXX/XXXX/XXXX I called again this time a XXXX told me to hold that he would reach compliance after I demanded a refund of money and fees. He put me on hold for 15 minutes came back and said everything was resolved money was ready for pick up. I had my relative take my son back to XXXX to retrieve {$100.00} because the pickup location was XXXX. Once he arrived in the evening he went to another WU and was told that money was not available. He called western union to verify information. I called and was on hold and then again called again and nothing. I kept getting transferred between foreign speaking individuals that spoke English with a heavy accent. Finally I got fed up and asked my relative to give my son {$100.00} for my son to get back home. on XXXX/XXXX/XXXX, at about XXXX I called WU again and after much waiting I demanded a full refund of {$100.00} and fees for a total of {$110.00}. Male informed that he would send it to appropriate department and that someone would call me within 24 hours, even though I demanded to be called back within 1 hour. 24 hours have come and gone No CALL, NO REFUND!
Back in 2006 I opened an IRRA account through Bank of America and administered by XXXX XXXX ( Account # XXXX ), transferring my retirement funds from my previous Employer, XXXX. I am now employed by XXXX and wished to roll the money into the State of Washington Deferred Compensation Program ( DCP ). I started this process back on XXXX/XXXX/2015 but continue to encounter roadblocks. 

The state has requested the funds be sent over as a check, see attachment, per their procedures. However, Merrill Lynch claims they can only transfer funds only after I receive a XXXX XXXX XXXX. According to the State, they are not a banking institution so they do n't use or provide Signature Stamps. I 've never heard of such a stamp but the people at Merrill Lynch assured me I could get XXXX from any Bank of America. I went to XXXX different banks ( XXXX in XXXX XXXX and XXXX in XXXX ) and all indicated they could n't give me this stamp. I was then directed to check with another institution ( XXXX XXXX in XXXX ) and they said although they could provide a stamp they do n't do it with a document stating that a stamp was required. 
I 've left numerous messages with staff at Merrill Lynch ( XXXX and XXXX XXXX ) but have been unable to reach them for further assistance. I 've believe that I have been patient in trying to move my funds from XXXX organization to another. ( See attachment ).
On   XXXX   XXXX   XXXX   I ,  XXXX   XXXX , purchased the property known as  XXXX   XXXX   XXXX ,  XXXX , NY  XXXX  from my uncle,  XXXX   XXXX  in which a mortgage granted to Ba nk of America  was satisfied but the satisfaction recorded in  the county cl erk 's office was incorrect.    XXXX   XXXX  granted a mortgage to Bank  of America on   XXXX   XXXX   XXXX   in the  amount of {$160000.00}. This mortgage was consolidated with another mortgage granted to Bank  of America on   XXXX   XXXX   XXXX   in the amount of {$6100.00}. On   XXXX   XXXX   XXXX   the cons olidated mortgage was paid off but Bank   of America filed a satisfaction for the {$6100.00} mortgage only.
On   XXXX   XXXX   XXXX   a request for a lien release was faxed to Bank of America togeth  er with the title report,  Request  ID # :  XXXX . Bank  of America was inf ormed that I am selling the house on    XXXX   XXXX   XXXX   and title needed to be clear a least a week before the closing. Bank of America has stated that the lien release department has picked up the request on   XXXX   XXXX   XXXX   and are   working on it. Since a new ID number from the lien release department has not been generated, the request is NOT being worked on. It is imperial that I close on    XXXX   XXXX   XXXX   and I do not have the luxury of waiting for Bank of America to file a satisfaction that was to have  been done correctly in  XXXX .
Experian has placed a credit freeze on my account for no reason. I didn't make this request but have been trying to get it cleared for over 10 days now. When I try to call them the phone system hangs up and I can not get to a representative. This is a unethical method to get me to join their program to get Experian program to remove the credit freeze. I need help to get this resolved as so far they are not being helpful and have been avoiding any type of request made via mail or phone call.
On XXXX XXXX, 2016, I attempted to resolve an issue with Certegy and their agent or subsidiary Complete Payment Recovery after a billing error at a merchant ( XXXX XXXX resulted in a returned ACH debit. Certegy steadfastly refused to document the dispute or continue the conversation unless I provided my driver 's license number, which the merchant does not have and which was not used in any way in my account relationship with the merchant. There was no question of my having established my identity to Certegy 's call center, since I had verified my name and had received their subsidiary 's notice at the address they had for me. The only reason for them to obtain my driver 's license number would be to attempt to decline checks and humiliate me in a retail store that used their service ; their flimsy " for verification '' excuse for demanding the information reeks of the same " for verification '' excuse used by fraudulent telemarketers phishing for social security and credit card account numbers. 
I offered during our conversation to pay Certegy the full amount of the returned ACH debit, as they had already advanced that amount to the merchant. They refused unless I paid their fee as well, and would not discuss the fact that the fee was caused by their client and not by me - unless I gave them my driver 's license number. 
XXXX would think that in an environment where consumers and organizations alike are vigilant about identity theft, a company like Certegy would make an attempt to resolve disputes without collecting information unrelated to the disputes themselves. In this case, however, it is clear that collecting the money is only a secondary concern for Certegy. Their primary concern seems to be creating a complete biography of this consumer so that that information can used for their profit. 
I have chosen to file this complaint under " credit reporting '' because it is my belief that Certegy is a consumer reporting agency as defined in FCRA. For as long as they claim they do not have to resolve our dispute, I risk having Certegy report inaccurate information to other consumer reporting agencies, which will damage my ability to obtain credit or change employers. Their behavior in this case, if they report the inaccurate information or attempt to humiliate me by declining a check in a retail store, may very well be actionable apart from the instant dispute. 
I have attached the mailed notice from CPR and a copy of my complaint to XXXX which includes some more details.
I sent a letter to the XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me, XX/XX/2017. I specifically asked for a signed agreement and other supporting documentation. They instead provided me with billing statements from a computer screen ; which does NOT prove that I am obligated to pay them anything. The document is dated XX/XX/2017. 

They have continued to report delinquent information to the credit bureaus that I am asking to be deleted which is poorly reflecting me inappropriately.
My lease is through US Bank and my complaint pertains to money being withdrawn from my account in error ( electronically ) and not returned. I paid my normal lease monthly payment on XXXX XXXX, 2017 and received a message on my account that US Bank was now offering automatic debit ( they should have already had automatic debit by now but they are the most XXXX XXXX XXXX I have ever experienced ). I signed up for the automatic debit and received a second message stating that my automatic debit would not go into effect until XXXX XXXX and therefore I needed to continue with making my normal XXXX payment. I did this and on XXXX XXXX a payment of {$350.00} was withdrawn from my account. Three days later a SECOND payment was withdrawn on XXXX XXXX for another {$350.00}. When I contacted US Bank, I was informed by " XXXX '' that it would take 7-10 business days to process the return request and another 7-10 days to wait for the PAPER CHECK to arrive in the mail. She stated that the process would take so long that by the time I received my check, the next payment would be do and therefore I should just leave it. If you electronically deducted my money then why the XXXX are you not able to electronically return the money?! I was on day one of a vacation when this happened and needed that money to be in my account. My vacation was extremely stressful due to this discrepancy and has caused me problems with the rest of the bills that I owed this month.
My wife requested my loan to be paid off on Thursday, XX/XX/XXXX at XXXX. She spoke with XXXX at Navient and requested that the payment be made from our SAVINGS. The total amount for loan XXXX was {$1700.00}. Nothing was showing as pending on Monday so I called and they informed us it could take up to 4 business days and that it was coming from our CHECKING. I moved money from our savings to our checking so that it would be covered. On the morning of the 5th business day the loan showed PAID IN FULL on navient.com, however I was n't seeing anything in either SAVINGS or CHECKING in my bank. Nothing was posted or pending. I spoke with XXXX at Navient on XX/XX/XXXX who informed me that it was pulled from my CHECKING ( just like the previous representative had ). I escalated the call to a supervisor XXXX - and filed a BBB complaint against Navient for being unable to explain why it took so long or why I was getting mixed information where the money was being pulled from. We conference called my bank XXXX who told me that no money had been pulled, but that they had miscoded the request and it was denied on XX/XX/XXXX. Nobody had contacted me. I escalated this to XXXX who told me that since there was n't currently a balance I would have to wait to repay. This would lead to accrued daily interest and a greater payoff. I 've had problems with Navient misallocating payments in the past and recorded BBB complaints each time.
My old roommate used mt name and business to file a fake payroll account at her company XXXX in 2015. I was unaware of this and did not authorize this. Many months later I received letters from XXXX proclaiming I owed them taxes for employees I paid. I did not have any employees besides XXXX XXXX XXXX XXXX XXXX and I had never filed a payroll. When I called XXXX my roommate was fired for fraud and forgery, but they did not attempt to fix the error with the XXXX. The XXXX later put a public records lien against me for the amount the claimed I owed, and took the money from my savings account. I contacted them and they admitted their mistake and released the lien, but the lien was already on my credit report. When I contested the issue with Equifax they said they reviewed the lien and the information is correct. Yes the lein was filed against me, but it was done so by action of fraud against me and the mistake of XXXX. This mistake by Equifax has hindered my ability in being accepted for any loans or credit cards. I am being punished for the actions of someone else and it is affecting my ability to operate my business, buy a home, and live my life.
Premier Student Loan Center contacted me about consolidating and loan forgiveness. They said they were authorized by the Dept of Education to work with me on getting my loans forgiven. I trusted these people and they have all my information which Im afraid they will use to steal my identity and drive me further into debt. Please stop these people from preying on hard working Americans! This is evil and criminal. The number for the company is ( XXXX ) XXXX. The rep is named XXXX and the company is located in XXXX, CA. Please help me!
On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX reported fraudulent information to XXXX, XXXX, and XXXX credit bureaus regarding an account they claimed to have purchased from XXXX XXXX. XXXX XXXX   and XXXX XXXX XXXX committed fraudulent acts and deceptive trade practices against me by 1. selling the closed account to XXXX XXXX XXXX , after the account was discharged through bankruptcy in XXXX ) 2. XXXX XXXX XXXX reported the account as being opened in XXXX, which is also false. The mentioned account was closed and discharged in XXXX.
I have been on an income-based repayment plan for a number of years. My federal student loans are currently serviced primarily by XXXX XXXX. In XX/XX/XXXX I received a standard notification that I would need to recertify my income by the end of the year in order to continue to be on income-based repayment in XXXX. In XX/XX/XXXX, I submitted the relevant paperwork and income verification to recertify my income-based plan. Despite this, my XXXX loan payment was approximately ten times what it should have been had I been under the income-based repayment. 

I noticed this, and gave XXXX a call explaining the facts and the situation. I was then told that my XXXX payment amount would be " reviewed '' and I would receive an email within 7-10 business days with the outcome of the " review. '' In fact, more than a month later after having called in again, I was only then told over the phone that the " review '' was unsuccessful and my XXXX payment would not be corrected. I never got the email I was promised, and to date have no idea what standard was used to " review '' my payment amount. When I called I was told that XXXX " billed 20 days in advance '' and my XXXX bill had already been processed, and that was why the XXXX amount was so much. 

My XXXX payment continues to remain the same, despite my XXXX and XXXX payments being the proper amounts based on the income-based repayment calculation.
There are inquires on my credit reports made in XXXX and XXXX that do not belong to me. They were placed their fraudulently. I filed a police report number XXXX and provided it to XXXX, XXXX and Transunion to have the fraudulently information removed as well as old Addresses and Name Variations who could have contributed to this issue along with documentation from the creditors proving their investigation deemed they were fraudulent and needed to be removes. The credit bureaus refuse to remove them and my disputes come back in a few days and inquiries are factual. This is not possible if they actually completed a full investigation and looked at the documentation. This is affecting my credit worthiness and my ability to obtain a place to live for my family.
I received a dispute summary report from XXXX and I see Wells Fargo closed my home Equity loan account # XXXX on XX/XX/XXXX with a XXXX balance then opened a new loan Account # XXXX under a loan type of a '' line of credit '' on XX/XX/XXXX with a balance of {$27000.00}. 
I never agreed or have any knowledge of this new loan, payment terms, repayment obligations or its association to my once home equity mortgage account. 
It 's my belief that Wells Fargo has no legal right to open a new loan in my behalf by prepackaging a previous home equity loan that should have been closed out due to the home being foreclosed on ... Additionally within the remarks it states '' foreclosure initiated, '' when in fact the foreclosure has concluded and was closed once the home was sold back in XX/XX/XXXX? 

Wells Fargo has acted unethically in the past and has been found guilty by our court system of falsely opening illegal accounts without permission or knowledge of its customers and has been ordered to reform their company 's business practices and pay a stiff penalty for their illegal actions.
On X/X/17 I spoke to chase about charges to my account that were n't authorized by me. ( XXXX XXXX XXXX {$89.00} and  XXXX - {$87.00} ) I put in a claim and they reimburse me. On X/X/17 After the investigation they gave the company back the money on ( X/XX/17 ) said they had enough proof ( the Proof was My address and Phone Number ) to claim I did order the products and there was nothing they can do and I should call the company XXXX. I told Chase this was unacceptable and this is not proof. I lost this dispute because they verified my Address and Phone number - Not proof of delivery, not a Signature Not an Email Address or Chase Rep. told me today, they could n't verify my IP Address this purchase was made from. I called the company XXXX this morning and they told me they notice I did dispute the charges and I lost the dispute and there is nothing I can do. *Attach is the proof of unauthorized funds taking from my account
Challenge questions on factXXXXequifax.com to receive XXXX report were answered correctly by me. Challenge failed. Conclusion : Equifax has incorrect information on file. Calling to complain, I was sent to XXXX different phone numbers. None of the agents understood or solved my problem. They simply sent me to another number. 

The final agent sent me to a number that started the whole request process over again. 

Bottom line : Equifax 's challenge question answers are WRONG and there is no one who will correct them.