WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX. 
I went into the XXXX XXXX XXXX XXXX. I needed some verification sent to " Equifax ", to verify that I use my original birth name, and that I changed my name due to error of XXXX on original birth certificate. I had to put an " Security Fraud '', and Security Alert '', on all, '' Credit Files '', XXXX, XXXX, and Equifax Credit File '', after finding out about the " Security Breach '' with " Equifax ''. I'm also known as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The first time I tried to fax over verification to Equifax Dispute Department, The following Documents were required : Social Security Card Drivers License Utility Bill On XX/XX/XXXX. 
All these documents were sent. By Branch Manager : XXXX XXXX, these Legal Documents sending the required information to Equifax, on Friday, XX/XX/XXXX 
However, when I called to follow up on my request to " Lift My Credit Freeze, I was told by Equifax that they needed additional information. 
I was not able to get back to the XXXX  Branch location on the bus, so I went to an different location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TN. XXXX Not sure of the Member Services, XXXX Employee Name, because he stated that his location is on XXXX XXXX XXXX XXXX, This XXXX Employee, said he took my " Legal Document, that I received from Probate Court to the copy machine, I explained to him that I spoke to Equifax on XX/XX/, and that I spoke to them again on XX/XX/XXXX. 
Equifax is accepting an fax of " Legal Documents of original name and XXXX correction on original birth certificate, XXXX XXXX XXXX XXXX, The XXXX Employee, came back from copy/fax machine in the XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, TN. XXXX. He could not find the Legal Document, and that he emailed to his person that was scanned. I asked for an confirmation number that the fax was sent to " Equifax '', I was told that he is not giving me nothing! He can't find the, '' Legal Document Scaned '',, and that it's nothing can be done about it? I asked the XXXX Employee, want happen to the " Legal Document ", that was to be faxed too " Equifax ''!

I can not believe, refuse to accept that once an legal Document, is scanned that it just disappeared, and why would my legal Document go into someone's personal emails?

I'm very concerned, and I Pray that no one has stolen my " Inheritance '', that my Great Grandfather, Grandfather, Father left me has not been stolen!

Your Professional Input in this matter is Greatly Appreciated!

P.S. Not Sure What How This Could Be Happing Over, and Over with these Banks, and Credit Unions? It does not Sound Ethical! 

Thank You, XXXX XXXX XXXX XXXX
t 'd be great if there was a more transparent process for getting PMI cancelled without having to refinance. I don't know if this is a FHA problem or a bank problem or both. 

1. I asked my lender for information on cancellation of my PMI in XXXX. They sent me a letter informing me that I qualified for cancellation but referred me the FHA. In a follow up phone conversation with the lender, I was told by the lender that the cancellation is automatic and that I didn't have to do anything. 

2. I checked with the FHA website and only received vague guidance that referred me back to the lender.

3. In my specific case, I've easily gone over 1 year without a late payment and my loan to value ration is better than the 78 per cent that is required. The ratio was in my favor for cancellation within 1 year of closing. 

Thanks for your help.
On or about XXXX XXXX, 2015 I had a teller assist me in closing my checking account. On XXXX XXXX, 2015 I determined PNC had accepted an automatic deposit on my behalf. I returned to the bank and spoke with XXXX XXXX. He zeroed the account and " closed '' it. On XXXX XXXX, 2015, I determined that PNC had once again accepted a deposit on my behalf and had also returned an automatic debit on my account as Non Suffic ient funds as opposed to " closed account ''. On XXXX XXXX, 2015, I went to the bank and again spoke with XXXX XXXX, explaining I needed PNC to reject the automatic deposit so the deposit would default to a different account. XXXX XXXX entered into the system a No Debit or XXXX to the account. He also agreed to refund XXXX of the XXXX service fees. XXXX XXXX stated he would need his manager, XXXX XXXX, to authorize the refund and did not foresee any problems. I left PNC believing the issue was resolved. Later that day, XXXX XXXX telephoned me and stated XXXX XXXX would not authorize the refund of the service fee. After speaking with XXXX XXXX, I contacted the office of the Comptroller of the Currency, U.S. Department of the Treasury. The representative referred me to the Consumer Financial Protection Bureau. I spoke with a representative of CFPB and determined I should file a complaint. On XXXX XXXX, 2015 I informed XXXX XXXX of my intent to file a complaint if the issue was not resolved. XXXX XXXX said he would once again talk with XXXX XXXX on my behalf. He telephoned later and stated XXXX XXXX would not authorize the transaction. It is my understanding a closed account means no transactions to the account. If I am incorrect in my understanding, I would like someone to explain to me the definition of a closed account. If I am correct in my understanding, I would like to know why items were posted as NSF as opposed to Closed Account and have the service fees refunded.
In XXXX I received an XXXX credit report, through a paid credit monitoring account I have with them, showing a debt in collection through United Resources Systems, XXXX XXXX XXXX XXXX, XXXX, CO. I disputed the debt and the collector could n't verify it was owed so it was removed. In XXXX XXXX I ordered my XXXX annual bureau reports and found XXXX and XXXX also had the collection listed by them so I filed disputes with them around XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX reported the creditor could n't verify debt owed and it was removed from my report. XXXX XXXX, XXXX XXXX reported that the collector had in fact verified that I was responsible for the debt and the collection would remain on their credit report for me. XXXX also said they could n't furnish me any documents from the dispute and they did not investigate but went by what the collector supplied to them. I was told to contact the collector for documents when I asked how could a collector not be able to verify a debt with XXXX bureaus but was able to verify with XXXX. I contacted the collection agency after receiving those documents to tell it the information sent from the company they were representing, XXXX XXXX, was false. The company is a former employer that is trying to represent travel expenses as a personal loan to me. I sent the collector copies of receipts beginning with a rental car receipt from XXXX XXXX, XXXX, paid for by XXXX XXXX to XXXX XXXX, XXXX. I included taxi, hotel and fuel receipts showing what I was reimbursed for and my bank statements showing the sums being deposited to my account. The former employer is claiming the final receipts I submitted on XXXX XXXX, XXXX were a loan instead of travel expenses as retaliation for choosing to end my employment that day because after spending over 20 days in FL hotels after they sent me to get a vehicle from a shop, and it ended right back in the shop the next day in a hotel they paid for in XXXX FL for about 3 days, and then the day after it left that shop it ended up in another shop in the XXXX FL area, leaving me in another hotel for until XXXX XXXX.
On XX/XX/XXXX17 I initiated a sell of digital currency with Coinbase.com in the amount of {$3300.00}. It has been almost a month and I have yet to receive the money from the sale. I have sent numerous emails and have yet to receive a reply.
Navient services my repayment plans for the XXXX student loans I have. As best I can understand my repayments of this now nearly {$400000.00} student loan debt, I am in an income contingent plan for some loans, in an income based plan for others, and in an undefined ( to my knowledge ) repayment plan for still others. My total monthly payment for all loans is approximately {$880.00}, about a quarter of my monthly income from alimony and any self employment I can obtain. I am over XXXX XXXX XXXX, single, and struggle with every penny to pay for my health care and these student loans. Today, XXXX XXXX, XXXX I called Navient to ask for an explanation of the monthly {$67.00} charge labeled " unpaid fees '' on the paper bill I receive for the loans in the undefined repayment plan. Navient 's customer service rep XXXX stated that I will be charged {$67.00} every month as " unpaid fees '' until all my loans are paid off. XXXX stated that when I pay the {$67.00}, that amount gets distributed " somehow '' across my loans but could not tell me how much or for which loans. She further advised me not to pay this fee and said if I did not I would remain current if I paid {$810.00} each month.
This company Contacted me by letter on XX/XX/XXXX and I have no knowledge to this account whatsoever. I called the company the very same day XX/XX/XXXX and told them that this was not mine. This company also called me today on XX/XX/XXXX and Told me if I did not pay the amount of {$1700.00} that they would contact Immigration services and have me deported. This is so wrong on so many levels because I am a NATURAL BORN CITIZEN.
Last week my wife, XXXX, submitted a complaint and that case number is XXXX. Yesterday we were notified that American Express could not respond to that complaint because the primary card holder, me, or an authorized representative was not the complainant. However, my wife is my authorized representative and American Express has been negotiating with XXXX for several years. At best, American Express not recognizing my wife as my authorized representative is disingenuous and an act calculated to make a legitimate complaint against their unfair credit practices more difficult. 
By submitting this complain, I am adopting every and all statements made in case number XXXX. 
American Express told us we would have our traditional XXXX and our points reinstated once we fulfilled our repayment agreement. AmEx expressly stated : as an inducement for your successful completion of the repayment agreement, we will reinstate your traditional green card and return all membership points. Every conversation with AmEx was recorded AND AmEx acknowledges the terms are in the notes in our file. We paid AmEx in full at 0 % interest because of their promises. We incurred charges in excess of {$2000.00} for interest charged on other obligations because of the inducement made by AmEx. Now AmEx has taken the position that the traditional XXXX is not going to be reinstated because of our poor XXXX score. AmEx never told us that there was any condition to the reinstatement of the card other than the successful completion of the repayment agreement. Because I know my XXXX score is poor, I would never have entered into the repayment agreement with AmEx with the terms we did -- -- I would have paid more on my high interest cards.
Logged onto Experian web site to get credit report for {$1.00} in XXXX. Seven months later I find that I 've been billed {$21.00} per month for some type of credit monitoring program that I had absolutely no intention of joining. This is clearly some kind of " bait and switch '' trap to get consumers to agree to an unclear set of terms, and then bill the credit card for which they have your name, number and permission to make a charge. I would like to have a complete refund of the {$150.00} that I was billed by Experian for this bogus " service ''. This is clearly a scam and should be stopped. Thank you.
I am from Washington state, XXXX, I was borrowed a money from XXXX XXXX XXXX institution a year ago about {$500.00} dollars on principal amount.I was paid the {$500.00} dollars in a short term period and they ask me an interest which is almost {$1000.00} dollars. This is beyond my situation. I didn't know about this lender before about their non license business which they are conducted in washington.This lender XXXX XXXX XXXX  insult me by many call and I am asking now a serous investigation must be taken by this lender how they are working their business and their beyond interest charges.
I missed my XX/XX/XXXX payment for my Macy 's credit card which was due XXXX XXXX.. Macy 's had been calling me repeatedly since then at least 5 times a day. I 'm always punctual with my payments. I miss one and they start harassing me everyday. I do n't think they is a need to call me repeatedly everyday
I've had a hold put on my account for nearly a month now, and have not been able to buy, sell, or withdraw money from my account on Coinbase. Up until this most recent ID verification at coinbase.com/ssn, I have been able to easily verify my identity; and now that this latest verification is not working, my account is essentially frozen- no buys, sells, or withdrawals, even if I try to permanently delete my account. I've contacted customer support several times. I have about $350 worth of bitcoin that I would like to sell, and over $5k in my USD wallet that I need to withdraw.First (XX/XX/XXXX) and second (XX/XX/XXXX) times:They emailed me a pre-generated list of common reasons the SSN verification may not work. Most of these related to address technicalities, but one of them was this:"There may just not be enough information on record to sufficiently verify your identity at this time. This usually affects our younger customers more often. Unfortunately, there’s not much to be done in these cases but to continue trying the quiz, possibly with some variations of the information to be sure it’s not just an address issue."Since I've ensured that the information is exactly as it appears on the credit report, it appears that this is the reason why: that I am too young and do not have enough of a credit history to verify. Then why allow customers to deposit money into their account if for some it will just get frozen? Why wasn't the SSN verification required upfront?Third time (XX/XX/XXXX)After calling several times and trying to get past the (at least) 20 minute wait time, I was finally put on with a customer service rep who in fairness did try to be helpful. He linked me to two pages that he said usually resolve the issue. But in my case they did not. He said if I replied to his email in the case that the issue was not resolved, he would escalate it to a specialist. This was almost a week ago. I emailed and called again a few days later: no response to email, but over phone they said that once it's escalated to a specialist, there's nothing to do but wait. I suspect I will be waiting a long time.Tried calling back today (XX/XX/XXXX) to check on the situation, and a recording said they are receiving a high volume of calls and will not be able to help, and to try again later.It can't be legal to take customers money and freeze it after requiring a verification that is impossible for some customers. And then on top of that, they have an obviously inadequate customer service department and just hope that customers will be able to resolve questions with a stock FAQ reply. It's bad practice, and I know I'm not the only one suffering as a result of it.
I have a card theft, somebody stooled my card number and they been taking a lot of money from my account, arount 18000 dollars, I check my statement every month approx. and I found this a few months ago, I made the claim four times now with no good result, they just say that I still the money my self and of course not, I already made a police report but they just says that I have to wait for a investigator to investigate my case and I paid another investigator already to help me with no success yet so am just keep looking for help and am desperate don't know what to do, I know my account has a rob protection but they just denied the credit and they says that I have to find and show them evidence to prove that am not the one took the money so they will give me my money back, but how I can do that nobody helps my I hope am on the success way with you ...
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX have been reporting negative accounts reflecting {$900.00} ( XXXX ) and {$130.00} ( XXXX XXXX ) to EXPERIAN, XXXX, and XXXX. XXXX removed the accounts from my report, however EXPERIAN and XXXX continue to publish these fraudulent accounts hindering me from obtaining credit, thereby causing me to suffer for the last 6 years when the ability to obtain credit would have made life turn out better than this lowly state I feel forced to endure. I am confident that neither furnishing nor reporting parties can validate these debts, although, every time I dispute the accounts I am notified that the accounts are up to date and in compliance with FRCA standards, but I have not seen any evidence to verify these statements. I demand recourse in actual damages for conspiracy, deprivation of rights, fraud, defamation of character, and intentional infliction of emotional distress. I feel it necessary that punitive damages be awarded as well for willful and malicious disregard as well as blatant disrespect for sanctions found within the FCRA.
Good evening, after reviewing my credit report since  XXXX   XXXX  to present. I noticed a few discrepancies. I have contacted Transunion on numerous occasions via certified mail, phone calls, faxes, etc. and to this day, they have disregarded my requests. I have made contac t  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX . Each time Transunion either sends me their generic letter that states that  a company does n't have to have your permission to pull your credit. Or that I need to contact the actual creditor. I have sent letters to those companies and called and the creditors exact words are " Unfortunately, we are unable to assist you b/c you do n't have an active account with us '' " what you should do is dispute this with the credit bureaus. Can you imagine my frustration? Numerous unauthorized inquiries is making it very difficult for me to acquire credit as I 'm looking to purchase a home for my family and I. Most of the inquiries listed on my TU report pertain to auto loans, I do n't have a need for a auto loan nor am I searching for a vehicle. These inquiries were performed under false pretenses. The inquiries are fraudulent and I 'd like to have them deleted immediately. I know my rights as a consumer and again this is becoming more frustrating each day. I have no knowledge of these inquiries and I am requesting that they be deleted and removed immediately. Your attention to this matter is much needed, thank you!     I will also submit a complaint for another reporting agency known as  XXXX  as they are giving me a hard time as well.  XXXX  is the only company that has helped me in removing inquiries.      XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX
I am a authorized user on several of my wifes accounts. Her name is XXXX XXXX and we reside at the same address and her DOB is XX/XX/1956 and the last 4 of her SSN is XXXX During the month of XX/XX/XXXX, Equifax has removed three accounts that I am a authorized user. Before the month of XX/XX/XXXX, Equifax reported all authorized accounts correctly. My accounts are being correctly reported on XXXX and XXXX XXXX. In an effort to correct this error with Equifax, I called and spoke to a representative at Equifax. I was advised that I should call the creditors to ensure that they were reporting me as an authorize user. I called the three creditors and they assured me that my information was being reported to all three bureaus every month. XXXX XXXX, XXXX, and XXXX XXXX sent mid month updates which were reflected on my wifes credit report but not on mine. The accounts that were removed on my credit report for the month of XX/XX/XXXX are : XXXX XXXX - {$500.00} XXXX XXXX - {$4300.00} XXXX - {$15000.00} In total Equifax has removed {$19000.00} of credit from my credit report. This has negatively impacted my credit by reducing my credit score and increasing my utilization. Something is definitely wrong when 2 creditors who are reporting accurately and Equifax is the only bureau not capturing the data correctly. I live in XXXX Georgia and many lenders pull credit with Equifax. To that end, it is quite important that this issue is resolved quickly and does not continue to repeat itself. Your immediate attention is needed to resolve this error made by Equifax. I have been unable to dispute this issue via their system because the accounts are no longer appearing on my report and you can only dispute credit that appears on the credit file. Your immediate attention to this matter is greatly appreciated.
this company calls me 3 to 5 times a day I answer the call and they hang up when they do answer they ask me for my ss number or my date of birth without identifying themselves or telling me what the phone call is about I had to call the number back to find out who was calling
Send removal of freeze proof of ID back  in  XX/XX/XXXX  and  XX/XX/XXXX , Tra  ns Union h as incompetent people.
Someone used information to obtain XXXX XXXX XXXX   account # XXXX on XX/XX/XXXX, XXXX XXXX XXXX account XXXX on XX/XX/XXXX, XXXX XXXX account # XXXX on XX/XX/XXXX
Debt is from XXXX from a hospital I have never been treated at ( XXXX XXXX XXXX ). I only found out about the debt on XX/XX/XXXX when I checked my credit report and this debt was listed. 

I wrote the collection agency a letter on XX/XX/XXXX demanding debt validation as I had no idea what this was for. They didn't respond, other than to send a bill directly to my address ( I had never received a bill prior ). I sent another letter on XX/XX/XXXX disputing the debt and demanding validation again. They responded on XX/XX/XXXX with a copy of a bill for a XXXX XXXX, who was XXXX ( bd XX/XX/XXXX ) at the time of treatment on XX/XX/XXXX and apparently gave my name as a guarantor. They stated it was the itemized bill I requested. However, I requested a financial document that I personally signed accepting financial responsibility for any debt, and they are not able to produce one, nor did they respond within the 30 day time period that they are required to respond in.
I have been working with Equifax for several months now and for the most part that have been responsive but I dont understand the responses they sent. I am simply asking for the removal of the late payments on a few of my accounts and they keep responding saying that the information has been 'verified ' but no other information. I am confused because I am sure that the information the are recording is not at all correct. For one thing XXXX has removed the XXXX Bank card because they found that they could not match my information with the ones they had on file and I thought that all of the bureaus report the same information so if XXXX removed it, why doesnt Equifax? There is also a XXXX XXXX Bank account that has several late payments I dont think should be there. Equifax also for some reason reports the account I have with XXXX XXXX as currently XXXX59 days, this is impossible since the account has a XXXX balance! XXXX isnt reporting this as past due so why is Equifax??? They keep telling me this has been verified with the company but it couldnt have if XXXX is reporting something completely different right???
I have a student loan with Navient ( the off shoot company of XXXX ) that is in good standing ... Naivent acquired my student loan as a rehabilitated loan from XXXX XXXX more than two years ago but XXXX XXXX is still reporting my previous balance to the credit agencies even though this account was transferred to Navient. Thus, in my credit report it is showing the original balance at XXXX XXXX plus my current balance which is showing me to be doubly in debt on my student loan. XXXX XXXX, through their automated voice system ( you can not speak with a live person ) refers ALL calls and inquiries to Navient and Navient will not make the correction though asked multiple times in formal written requests and phone calls over the past two years. I have provided copies of my Credit Report and more. Please help!