WillisBack/dataset-financial-user-claim huggingface dataset:
Recently in XX/XX/XXXX of this year we realized that we had been defrauded by a book keeper in our office. We intermediately filed a police report and pressed charges. From there we went to the banks and told them what happened and provided detailed information about the amounts, check # 's, dates ... .everything they needed to start their investigation. 

TODAY I received a letter that they have DENIED my claim and will not be helping me whatsoever recover any of this money. I thought this money was FDIC insured? 

Please help me..we are a small business with less than XXXX employees and are at risk of shutting down as a result of this massive theft. The amount stolen was over {$80000.00}. 

PNC Bank could have helped us recover up to {$50000.00} of this money but they have chosen to flat out reject my claims based on typical bank stuff.
TransUnion File # XXXX XX/XX/2018 TransUnion has All alternative Credit Inquires in the last 3,6,24 & years on my file. I have not or no what or where this came from or  source. I have not or agreed and need documented proof and my signature of such All Alternative Credit Inquiries as stated by TransUnion
On XXXX/XXXX/2015 I spoke with equifax customer service about having more than XXXX credit report. Equifax verified that I have XXXX credit reports ( Confimation # XXXX ). I was informed that equifax would merge the reports, but I had to fax a copy of my social security card and proof of address. A copy of my social security card and drivers license was faxed to equifax. Rep explained that it could take up to 90 days to complete the merge. 
On XXXX/XXXX/2015 I received an email from equifax stating that they could not merge the reports. The same day I filed a complaint with the CFPB ( XXXX ). Equifax responded and stated that they will merge the reports and that it could take up to 90 days. 
XXXX/XXXX/2015 called equifax to get a status of the merge. I was told that I need to fax a copy of my social security card and drivers license. This information has already been provided and verified. After verifying this information and informing me that the reports would be merged, it appears that nothing has been done. 
When I pull my report I get the same report each time, and ca n't see the contents of the XXXX report. I have no idea what information is being reported on the second report. As a consumer I should have access to any/all information being reported on these reports. 
I have been denied credit based on information obtained from equifax. Creditors base their decisions based on negative information that I ca n't see, and have no idea if it is valid or not. I have also asked that equifax mail me copies of both reports. They stated that they would mail the reports, and I have never received them. As a consumer I have the right to know what is on these reports, and the ability to dispute what may not be valid. I should be able to make a credit decision based on what my reports contain, and not what a creditor can see and I ca n't.
I paid this account completely off with a balance of zero in XXXX of XXXX. I set up recurring payments of XXXX XXXX dollar payments with walmart to complete the balance in full. Walmart then closed my account in XXXX of XXXX but are reporting to the credit bureau that they closed it in XXXX of XXXX which is incorrect Since then. the company continues to charge me with late fees and rolls the balance with more fees. They send the balance to the credit bureau but have not sent me a bill or anything in the mail to support the balance they claim is owed. 
I have mailed XXXX, XXXX, and XXXX to investigate this error and remove it from my account. Since the account is listed as 'closed ', walmart does not respond and they are not updating this account correctly on my reports. 
I need assistance in getting the balance shown as zero and the late reporting removed or the complete account removed. 
They are not fcra compliant as they continue to report and refuse to respond to my issue.
I am filing this complaint because Transunion and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify or validate the accounts i disputed. Being that they have gone past the 30 day mark and can not verify/validate 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 the manner as soon as possible. Thank You.
XX/XX/XXXX, the credit reporting agency Transunion, from what I have been advised, experienced a glitch in their system in which some credit inquiries fell off of reports. Around this same time I noticed some of my credit inquiries were removed from my report. Shortly thereafter, I heard of this glitch but did not make the connection that my credit report may have been impacted. I was under the impression at the time that these inquiries had run their course and fell off after the allotted timeframe until I checked my report a few weeks later and the same inquiries were added back. From what I also understand, the inquiries should not have been added back without advising me of the glitch and that the inquiries were being added back. I never received any written notices of these inquiries being added back to my report from Transunion and would like these inquiries permanently removed from my report due to Transunion 's lack of oversight in this matter.
I have been trying to remove a freeze on my credit report with Experian - to do that, I need a PIN which was supposed to be issued via mail when I placed the freeze - although I never got the PIN in the mail. I tried to use their online tools to either get PIN or remove freeze, and the tools did not work - I tried to upload documents via their website to get PIN or remove freeze - the system came back with an error message, multiple times. I tried to call their XXXX # numerous times and their automated response system did not give the options I needed ( get PIN or un-freeze credit ), nor did it give options to talk to an agent. I called their regional offices/headquarters in US and got the exact same voice response options. I tried messenger and posting on XXXX, but no response for hours and then no help. I finally found an alternative number via a web search that got me through to an agent, that I hope has finally helped me - although he could not do it real time. 

Overall their systems are antiquated, processes poorly designed, and they offer no workable way to get help - this is unacceptable, when they are holding my credit XXXX and I can not proceed with necessary financing. The CFPB should demand better from them ; All other agencies have been easy and straight forward to deal with for removing credit freeze.
XX/XX/2017 medial bill paid by my insurance and thru my health savings account to XXXX  Hospital XXXX balance yet collection agency states I owe XXXX dollars. XXXX XXXX  will not remove after numerous phone calls and repeated online filing. I've never heard of collection agency nor did I ever receive any information from them. Agency name is Capio Partners XXXX, TX according to credit report. XXXX  removed and verified XXXX balance. Keep getting info from XXXX XXXX to sign up for credit monitoring.
sent several letters certified to credit bureaus and creditors regarding inquiries on credit report, asking for verification and proof that they were requested by myself. None has been given but credit reporting agencies keep stating that they are verified. 

Including the most recent letters below, I have copies of letters and certified cards where they signed for the letters, also sent to creditors.
I have been receiving calls from IC Systems stating that I owe over {$1000.00} for a debt from when my son was born. When they first contacted me, they had an address on file that I had n't lived at for years. They also gave me a medical group that I have never used, but they used my sons doctors name who has also never worked for that medical group. I have repeatedly told them this is not my debt. I have contacted my sons doctor asking about this, they know nothing of it. I then called the hospital where I had my son. They also have no record of this. Both the hospital and sons doctors office say they have never used IC Systems as their collection agency. IC System is stating that my son did not have insurance for the first 3 days of life, but I called his old insurance and he did. They have not had correct information for a few things and I have been reserved about giving them more information because I stupidly gave them my current address the first time I talked to them before knowing what they wanted. They will not stop calling and I have told them I disputed the charges but they still say this is my debt. I never check my credit report but once they contacted me, I checked at once and found that this is on my credit report.
Starting with my payment on XX/XX/19 I began to pay over the amount of my loan payment. I paid {$700.00} instead of my regular payment of around {$430.00}. The American Education Services ( AES ) website says the following as far as paying over, " Yes, you can pay more than the amount you owe. Any interest or fees that have accrued on your loans will be paid first before reducing your principal balance. '' However, I found that after I paid over, AES instead paid the additional {$270.00} to the following months loan payment. I had to call them to get my payment fixed, and then was forced to send them a written message asking them to put any money I paid over in the future to the principle of my loan. Like their own website already says they do. 
I again paid over my payment amount for XX/XX/19. I paid {$620.00} instead of my normal payment of {$420.00}. I got the verification that my loan had been processed correctly and then saw later that it had been changed so that the extra {$200.00} had been moved to the following months payment. After I was forced to call again, I was told that it would take 7-10 business days to be corrected. Now I see that when they finally corrected it, they only credited my account for {$420.00}. The additional {$200.00} I paid, magically disappeared, but was still taken from my bank account. 
After being forced to call them again, I was told that it was going to take them 7-10 business days to apply the missing {$200.00}. I am awaiting to see if this is done correctly. I also had to pay my loan again today for XX/XX/19 not knowing if its going to applied correctly or not. Luckily I have been watching my account or AES would've been applying my loan payments incorrectly, or basically stealing my money. 
I am forced to attach some screenshots I have taken from my account. I have not received a correct statement from them in going on 3 months now because of their constant errors, so I don't have copies of them at this time. I can send them at a later time, when I have access to them.
I check my Experian credit report on a monthly basis and it appears that in XXXX XXXX, a company ( XXXX XXXX XXXX ) that I am not familiar with added an erroneous, negative collection account against me. On the Experian report, the Account Open date is listed as XXXX XXXX however I have Experian reports for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and none of these reports list this account. Furthermore, the account status states that " Account in dispute-reported by subscriber, Account information disputed by consumer under the Fair Credit Reporting Act '' which was updated on XXXX XXXX, XXXX however I had no knowledge this account even existed at that time to even initiate a dispute. So it appears that Experian is not actually investigating the validity of accounts that are being added to a consumer 's report. 

How is it possible for this company to initiate a dispute on my behalf? Experian has no record of me initiating a dispute regarding this account so how was it returned as Verified. Furthermore, I have not received any correspondence ( calls/emails/ letters ) from Experian oXXXX XXXX XXXX XXXX containing any information that was provided. I would like for Experian to hold this company XXXX XXXX XXXX accountable for their deceptive practices and also perform their own due diligence and remove this negative account from credit report because they didnt actually properly verify that this debt truly belongs to me.
XX/XX/2018 my son called American Express to get the address where I could send a letter requesting the company to cease and desist contacting me regarding my debt as provided under the Fair Debit Collection Practices Act formally known as and codified under 15 USCA 1692 ( a-p. ) The representative handling me ( XXXX, employee XXXX ) and his superior ( XXXX employee XXXX ) in the XXXX call center refused to provide this information.
I made 3 trial modification payments to XXXX. I made a 4th payment XX/XX/2016. XXXX sold the loan to BSI. I was told that BSI would honor the terms of the modification. BSI stated that they were waiting to find out who was going to pay the taxes for the home, BSI or XXXX and then we would receive the permanent modification papers in the mail. On XX/XX/2016 the representative said I would hear back from him by the end of the week about the permanent modification being mailed out and the {$30000.00} which is in escrow. The escrow account is 3 times the amount that is needed for escrow. On XX/XX/2016 I called the company to speak with the representative and he is not available. It has been over 60 days since BSI received all the paperwork from XXXX. I still have not received the permanent modification from BSI.
I have contacted XXXX, XXXX, and TransUnion on numerous occasions, both by phone and mail, and tried to have them explain to me how they are verifying these erroneous reporting accounts as accurate, and they always reply with, " we obtain our information from XXXX and the XXXX system for these accounts. '' XXXX and the XXXX system are NOT the original creditors to any of these erroneous reporting accounts, and their reporting should not be counted as " verifiable ''. If these 3 bureaus can not give me satisfactory information and provide me with written proof of the creditor they talked too with complete phone number, and written proof with the name of the customer service member that they obtained the information from, or written proof of the clerk of courts name and telephone number, and written proof that they talked with him/her, then they are in violation of FCRA 611 and MUST DELETE these erroneous accounts from my credit report!!! I am a litigious consumer, and if these accounts and hard inquiries are not removed from my reports immediately, I will sue these bureaus for violating my FCRA rights!!!
Hi my name is XXXX XXXX. To whom it may concern I would like this matter to be taken very seriously because they 're are several accounts on my credit that seems to either be an error, wrong, unverified. I am aware of all my rights and there seems to be a very big problem where I feel that several laws in the FCRA we 're broken and I can point them out. 1. The accounts are outdated. 2. No verified signature or paper with a signature. 3. A verbal verification or a phone call ca n't prove it 's a verification between a creditor and the credit bureau. 4. I refuse to get blamed for a fraudulent and I was wrongfully judged and discriminated against by XXXX, Equifax, and XXXX customer service reps were disrespectful, unprofessional and I am filing a lawsuit on behalf of these accounts and they way I was treated. I was treated poorly, unfairly. A. XXXX B. Equifax C. XXXX : 1. XXXX XXXX : fraud 2. XXXX XXXX : fraud 3. XXXX XXXX XXXX : fraud 4. XXXX XXXX XXXX XXXX : fraud, no signature verification, Date opened XX/XX/XXXX past 7 years old account. 5. XXXX XXXX XXXX, fraud, error late account opened in XX/XX/XXXX 6. Comcast, fraud : Learn some manners and respect whomever you  speak to when doing business. Remove all fraud and error accounts listed above. Please remove any accounts associated with the address XXXX XXXX XXXX XXXX FL XXXX. I am not associated with this address and any accounts that are under this address. Remove all addresses immediately please. The only address that should be listed on my accounts is XXXX XXXX XXXX XXXX XXXX FL XXXX, this is the only address associated with me. The only social security associated with me is XXXX.
My dad passed away in XX/XX/2017. There is a beneficiary deed on file that names my XXXX brothers and myself ; we have since transferred ownership with the city assessors office to our name. The mortgage company has been faxed & emailed this documentation four times now over the last 4 months. They continue to ignore our requests or make the process simple to finalize the Successor In Interest. I have escalated the complaint to the supervisors and continue to receive zero response. It's almost as if they are trying to force us into foreclosure.
I filed a complaint with you once Case number : XXXX and you did not investigate Stearns Mortgage and they have since retaliated against me and are costing me money. People look to your organization protect them and to help them and instead by filing a complaint they have retaliated. I hope that you will actually investigate them and work to make them fix my situation. After I filed the complaint they have not mailed me a statement. I had to contact them by email to actually get XXXX ( attached along with their reply ). They then sent my personal information via unsecured email. They also said they would mail me a copy and did not. You will note that my home address is correct on the statement. They transferred the servicing of my loan ( letter attached, which I only received via email after MULTIPLE attempts and being promised multiple times I would get a copy both via email and by mail. ) You will notice that the address they mailed this to is the property address, not my address. They have been correctly mailing my statements for years to the correct address but did n't send the transfer letter to my correct address. Not only that you 'll see that in their email reply to me when they finally sent me a copy of my statement they never mentioned that my loan had been transferred even though they had allegedly sent a letter over a week before and this was only days before they transferred my loan. I unknowingly then sent my check to them, weeks ago, and it has disappeared. The new servicer even admitted that they may have destroyed my check instead of legally transferring it as they should have. I have had to submit an address change with the post office to the property that is rented ( cost {$1.00} ). i am probably going to have atop payment on the check and then if it turns up get a fee for NSF, cost $ XXXX. I have my personal information along with loan amount and payment sent to tenants in a rental property. Cost will probably exceed {$5000.00} and I have to be worried about identity theft among other issues. And this because I filed a legitimate complaint and they can retaliate because the CFPB is not protecting me. I have multiple times been promised things from Stearns including all kinds of responses and they mostly fail to respond .This is completely ridiculous. I also believe this may have been racially motivated.
I currently have around {$35000.00} in private student loan debt from both XXXX XXXX and XXXX XXXX, with my payments per month totaling around {$400.00}. Between my rent, car and insurance, and mounting credit card debt ( accrued mainly in part due to lack of finances from student loans ) I have been actively seeking assistance from XXXX lenders in paying off this debt. Every time I have called, there seems to be not a single option of assistance, except forbearance ( and even that comes with an upfront payment that I can not currently afford. ) I feel trapped and can not even refinance or consolidate because of my poor credit score. Other debtors online seem to have varying success rates getting altered rates or payment terms, but I seem to be out of the loop.
I am a Citi credit card customer for almost 8 years. I made a credit line request from online account on XXXX XXXX 2015. The request resulted in a Hard inquiry on my credit report. 
The credit line increase with Citi card has always been a soft inquiry for me in the past 8 years. 
In response to my complaint with CFPB, Citi executive replied ( response attached ) " When a credit limit increase request is submitted, online or by telephone with a representative, the request may be instantly approved without a credit bureau review. If the request requires additional review, you are notified that we need to obtain a copy of your credit bureau report. " When I applied online my request was immediately denied. I did not get a message that someone will respond to me in 24 hours. Based on the Citi executive response I contacted them again and the representative mentioned it specifically mentions if my credit bureau report will be pulled. The website interface is very misleading, when a customer goes to Credit line increase page, sometimes it says " customer will receive instant decision and bureau report will not be requested and few other times it says " bureau report will be obtained and reviewed in 24 hours '' ( see attached ). I told representative that I might have been shown the page with bureau report required but since I was declined instantly it should have been the page when it does n't require credit check. When I asked for a proof the executive said, she can not provide the proof of which page I clicked on as the information is proprietary. I do not understand if it is my information why the bank can not share with me what I submitted rather than saying I must have clicked on the page which says bureau report required. 

I have attached below : 1 ) Previous complaint and Citi 's response. 
2 ) XXXX screenshots of different message on the same page which leads to confusion for the customer. 
I would appreciate if Citi can remove the hard inquiry as my request was instantly declined and if it was a hard pull page I would have got a message after my request that it will be reviewed within 24 hrs. 
It is sad that Citi can not provide the proof and mistrust a customer woh has been banking with them for 8 years.