WillisBack/dataset-financial-user-claim huggingface dataset:
Sir/Madam, How are you ...? I have a serious problem with Equifax credit reporting agency as I have been fighting these people for over 6 months and I ca n't get anywhere so that is why I am escalating this matter to you. There are multiple items appearing on my credit report and I have been a victim of identity theft, however Equifax, XXXX and XXXX still refuses to remove this information and it has hurt my credit very badly. I do appreciate all your professional time and assistance and look forward to hearing back from you. Regards and thank you. XXXX
After getting a human on the phone at EQUIFAX tells you the calls are being recorded, but if you mention that that is the case, they hang up on you
I attended XXXX University in XXXX, PA. 

I am filing this complaint with the XXXX as well as Wells Fargo in hopes that something will be done about this process before legal action is taken. I am currently making the minimum monthly payments on my student loans which I consolidated with Wells Fargo in hopes that I would get a lower interest rate and/ or payment. 
My payment is {$320.00} per month, and while this may be affordable to some people, I only make {$35000.00} a year. I ca n't afford to pay for this loan payment on top of all of my other bills, utilities and student loan payments. 
I tried to get forbearance for my loans at the beginning of the year. I called and asked to have the forms sent to me in XXXX. I waited 2 weeks, and nothing was sent. I called again in XXXX. Again I waited, and nothing was sent, I called again, and finally received the forms in the mail. I was told that if I was granted the forbearance, then the past due balance on my loans would be " reset, '' and I would not have to worry about it. 
Because of this, I allowed the past due balance, and late fees to accrue. The process for my student loan review took more than 2 months, and I was eventually told that my request was denied. I was devastated because my credit score had taken a major hit due to these loans, and I was in the process of getting reviewed for a home equity loan. 
Because of the bad information that I was given by Wells Fargo, my credit score is extremely low because I can not afford to pay the past due payment, my home equity loan was denied, and I am forced to continue to accrue late fees, and penalties. 
I hope that your representatives will be more honest with the process in the future, and I also hope that you will make the process shorter for payees who need payment assistance. 
I have made every reasonable effort to resolve this issue, but Wellso Fargo will not accommodate any of my requests.
On XX/XX/XXXX I sent an autopay set up form to Great Lakes to set up auto pay on student loans serviced by them on behalf of XXXX XXXX. The first loan payment was due on XX/XX/XXXX. I  received a notice in the mail that the loan was past due on XX/XX/XXXX. When I called I was informed that a {$25.00} late fee had been applied and that the scheduled payment for XX/XX/XXXX had not been processed. 

I was further informed that the autopay takes 10 days after mailing the forms to set up and because it was not set up until XX/XX/XXXX, the payment was not processed and the late fee was applied. The autopay forms I received and filled out from Great Lakes do not disclose the 10 day lead time required to set up autopay, so I objected to the late fee on the grounds that the terms and timeframe was not properly disclosed and therefor predatory. Great Lakes refused to reverse the charge on the grounds that the late fee is required by XXXX XXXX. The problem, however is that the disclosure requirement for setting up the autopay is on them as the loan servicer.
SLS refuses to give me the proper XX/XX/XXXX XXXX. They keep insisting because THEY liquidated XX/XX/XXXX that we should get a XXXX XX/XX/XXXX. This is against IRS rules which clearly states that as long as an account was paid XX/XX/XXXX then the XXXX must be for that year. It is clear from the statements provided that the account was settled and paid per agreement in XX/XX/XXXX. The reason this is so important is because according to the IRS as long as it was settled in XX/XX/XXXX we do not have tax liability.
MY ORIGINAL LOANS WERE TAKEN OUT THROUGH XXXX. XXXX XXXX WAS TAKING CARE OF THE LOANS. XXXX XXXX FORWARD THE LOANS OVER TO AES IN WHICH A PAYMENT ARRANGEMENT WAS SET UP AND PAYMENT IS TAKEN OUT OF MY BANK ACCT EACH MONTH. Then I started getting calls from Navient Solutions Inc XXXX XXXX XXXX XXXX PA XXXX XXXX who stated they are now XXXX XXXX and they are taking care of the loans. I tried to explain to them that they forwarded XXXX of my student loans over to XXXX XXXX OHIO XXXX XXXX XXXX XXXX OH XXXX XXXX and they have me on a payment plan since 2013. Navient Solutions Inc is calling me for payment on the same loans they forwarded over to XXXX of OHIO. I tried to explain to them that i am being build by XXXX companies for the same loans. I also inform them that XXXX OF Ohio have Navient Solutions Inc as their client. Navient continue to say they have no way to verify that information and that they do not use and never heard of XXXX of Ohio. 
XXXX of OHIO acct # XXXX NAVIENT acct # XXXX " XXXX ' XXXX ' XXXX ' XXXX ' XXXX ' XXXX
Equifax has placed another companies information on my credit report. I have disputed the information and have not heard back in sixty days. I have given them documents to show the information was incorrect.
My house was current on payments. Another person 's bankruptcy took my house, held it for about 30 months, then gave it back to me. During that time they did not make any payments but collected the rent. I attempted to refinance but my existing lender would not cooperate with escrow and my new loan fell apart. I have asked for a loan modification but Chase again refuses to cooperate ( no returned calls, etc ) Now Chase has filed a notice of foreclosure sale but did not post the house and did not mail anything to me. I can not catch up on all the back payments that were started by the bankruptcy that was not my doing. All I want is to keep my house after working out some kind of loan modification with Chase. I feel this action by Chase may be due to me having a XXXX name or that I am a woman owning the house alone. 
This is urgent as the foreclosure sale is scheduled for XXXX XXXX, 2015
Diversified Consultants whose phone number is XXXX have reported a XXXX account on my credit report that was a prior identity theft reported account from a few years prior by XXXX XXXX. This has made my credit score fall from the 800s to 700s. Both the original collection company and XXXX were sent all the documentation showing this was an account created falsly using my social back in XXXX. XXXX XXXX also ran my credit for some reason in XXXX of XXXX. The reported account was filed on my credit by Diversified Consultants in XXXX of XXXX.
My employer XXXX offers a 401k as part of benefits which is maintained by Wells Fargo. I get paid ( electronically, of course ) Friday of every week. Every week my 401k contributions are deducted and sent to Wells Fargo. For some reason, it takes until the following Thursday before my funds appear and post to my 401k account. Every dollar I contribute to my 401k is being held from my possession by Wells Fargo for 6 days. Are they using it to float short-term loans and keeping the profits for themselves? This practice is unacceptable and unethical.
My mother now deceased left a CD to be cashed upon her death to cover funeral expenses. The CD was with XXXX which later moved to Wells Fargo. I was Co-named on the CD to facilitate cashing the instrument. After her death ( XX/XX/XXXX ) I went to Wells Fargo to Cash the CD. Wells Fargo said they had no record of the account and that it must have been cashed. They could not locate any records of cashing of the CD or anything to do with the account including automatic renewal. I believe they lost the record and failed to update the auto renewal. The CD account was opened XX/XX/XXXX. She was in full command of her faculties at her time of death. The CD was for XXXX Dollars.
I received a letter from Key Bank saying that my account will be closed because my account relationship poses excessive risk to the bank. I called them and asked what this letter means by my relationship posing excessive risk to the bank. The customer rep read off the exact same letter I received and said that's why. I was calling to get more explanation in regard to excessive risk of my relationship to the bank and they did not tell me more than what the letter says. I requested to speak to his supervisor to get more information because he was not being helpful for reading off the letter. The rep told me that he was the highest level I could speak to and get information about this letter. I strongly believe that Key Bank needs to tell me why my account will be closed and provide a thorough explanation. They can not treat customers however they want and they need to abide by certain rules and regulations. I don't know if they discriminate me or under what ground they decide to close my account. However, I deserve an explanation than just accepting the fact they arbitrarily closes my account.
When I observed the debt was reporting on my credit report ( s ) I contacted all XXXX credit bureaus and disputed the debt. XXXX responded on XX/XX/2016 and XXXX on XX/XX/2016 advising that I contact the creditor as the debt has been verified. I sent a request to XXXX requesting validation of the debt twice I have certified mail confirmation that they received it on XX/XX/2016 and a second request XX/XX/2016. As of date the company has refused to respond to me and continues to report monthly on all of my credit reports. I am demanding that this company removes the debt from all XXXX credit reports as they have failed to respond to my request as ample time and chances have been given. Their failure to comply with FDCPA regulations has harmed my credit drastically.
The credit reporting agencies are in violation of the FCRA, section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify these account, and have not.
I had tax lien on my report, and it has been taken care of, have a release form and also the court has in on file. I want to know where do I mail it to? so it can be clear from my credit report, I can not find any phone number or address on website.
Credit Bureau has ignored me ... .Consumer inquiry is legitimate and obvious, but credit bureau fails to read adequate and input wrong data. Car Note should be XXXX XXXX XXXX XXXX ... it is referred to this way on all statements. Credit Bureau does not read adequate or report has wrong data. 

Line of Equity 2nd mortgage scheduled payments ... wrongfully categorized as evolving credit. Our home is XXXX XXXX XXXX appraised near 1million by the bank. 

Errors cause higher interest rates on our debt. Is there recourse to recovery from negligent mistakes. These error raise our interest rates. Our effort is to avoid the indebtedness that Credit Bureaus touch.
Equifax is not responding to any of requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Back in 2015, I provided all 3 credit companies with my proof of ID theft, along with court documentation showing that all accounts were to be disputed and removed for consumer credit report. At that time, I sent in that request to remove all hard inquires, along with all collections accounts. Upon checking my credit, it was found that a collection account still remains on my credit report, and I also have three account that should have been removed from report. This has damaged my good name and credit with these accounts still being present. They are also reporting that accounts that I have open are currently delinquent, when they have been all paid up and current. They are reporting out dated information, and it is making it hard for me to get any type of additional credit. I should be rebuilding my credit right now after over 7,  almost 8 years of having to fight for my identity back. I am asking that all three credit companies, Experian, XXXX, and XXXX update my information ASAP! I have sent letter certified mail, sent in copies of court documentation showing what has happened, and I want all hard inquires and collections and outdated unverified accounts removed from my report or I will take further legal action and sue all three companies! This is ruining my life! I want to purchase a home in the next year, or so.. And, I don't want this information holding me back. I just want to start fresh like I've been trying to do for the last 2 years.
On XXXX XXXX, 2017, I contacted American Express Bluebird in regards to a {$1000.00} bill payment check that was returned to me uncashed to have them return the funds to my account. I explained to the representative and a manager that the original check was mailed back to me. I specifically asked should I return the check back to American Express and I was told no. I was also told by the supervisor on the recorded line that my funds would be back in my account on XXXX XXXX, 2017 at XXXX EST. I checked my account and the funds were not there and so I called American Express back again that same night and I was told basically that the supervisor lied to me about when my money would be place in the account. I contacted American Express again on XXXX XXXX about the status of my money and I was told that it would be in my account Monday at XXXX EST on XXXX XXXX. I have been calling American Express everyday and have been given different answers about my when my funds will be credited back to my account. There is no reason that I should have to keep calling a " bank '' and keep getting incorrect information from employees and supervisors. Yet, I still have not received my {$1000.00} back in to my account. I asked to speak with someone in their dispute department and they stated that there is no way for customers to contact them which to me seems a bit shady. Every real bank has a dispute team and yet I still can not get a definitive answer as to when my money will be returned to my account. It is utterly ridiculous that I have to go through this to have my money put back in my account.This has literally been a nightmare.
I have 3 student loans with Navient, formally XXXX. As with all 3, Navient has put my accounts into forebearrance without my approval. They have also reported to all 3 Credit Bureaus as being " paid on time '' during these forebearrance months, then the following months reporting as " 90 days late '' and so forth.
Hello I talked to them and other programs and repayment plans or options and they said that my plan will just be getting interest but a fixed one and that was not true and another person said I can cancel my loan but I have to give up my degree for the XXXX XXXX. Also on my credit score they put it as a default.
I have a credit card through Capitol One. I have had it since somewhere between XX/XX/XXXX and XX/XX/XXXX. Recently I noticed that the interest rate of 6.99 changed to 7.24 in early XX/XX/XXXX and then changed again this past month to 7.49. I am told it will change again. Then I noticed on the statements that the entire " balance [ is ] subject to [ this new ] interest rate ''. My balance on this card is currently at around {$19000.00}. I contacted them and they said that because it is a variable rate card ( how can it be variable if it remains 6.99 percent for nearly a decade? ) if the prime changes, they, the issue can change the interest rate on the existing balance. However, according to the CARD act of XX/XX/XXXX, " Issuer can not increase the annual percentage rate on your existing credit card balance '' ( source : credit.com ) ''. This should apply to my card since it has not varied in a decade. But let us suppose this card is variable rated, XXXX goes on to say in regard to variable rate cards " A credit card ( issuer ) may raise the rate on your outstanding balance if it has been temporarily lowered during a " workout '' or temporary hardship arrangement you either completed or left. '' Neither does a " workout '' or " temporary hardship arrangement '' apply to me as neither have ever been requested by me or given me. Therefore, this does not apply to the existing balance on my card ( that portion, well over XXXX dollars which existed before the 6.99 was elevated higher. I ask you to assist me, if it is possible, to have Capitol One rectify this situation for me and for others like me to whom this applies. For background sake ; my wife and I are excellent credit risks ; both in the high XXXX, and have never missed a payment on anything in our life. I had always been operating under the impression that the interest rate under which a purchase was made, would be the the interest rate which would always apply to the existing balance of previous purchases. Thank you.
I am currently a cardholder of the Barclay XXXX XXXX Master Card ( XXXX ). I originally opened this account in XXXX XXXX as a Travelocity Rewards American Express Card, but the card was transferred to Barclay in XXXX of XXXX. At the time that the card was transferred, I had accrued approximately XXXX miles under the cards rewards program. 

Earlier this summer, I attempted to redeem my miles for travel that I had purchased through Travelocity on XXXX XXXX, XXXX. The trip was booked for XXXX XXXX, XXXX through XXXX XXXX, XXXX. However, when I tried to redeem my miles on XXXX XXXX, XXXX ( which by this time had accrued to over XXXX miles ), I was not allowed to redeem my miles for this trip as 120 days had passed since I originally booked the trip. This was surprising to me, as under the Travelocity Rewards American Express Card, I could not redeem my miles until after the travel actually occurred. I immediately called customer service and the Barclay representative instructed me that I could redeem my miles for more recent purchases that I had made on my card since then, which we did while I was on the phone. During the call, I expressed a concern that I did not believe that I was obtaining the rewards level that were part of my original agreement when I had obtained my original Travelocity American Express Card. 

Immediately after getting off the phone with the Barclay representatives, I did a little research and determined that I had not received the credit for my miles in accordance with the terms of the original agreement. In fact, the original agreement terms indicated that I would be awarded {$400.00} for every XXXX miles if I booked my flight on Travelocity. However, it appears that I was only awarded {$200.00} for each XXXX miles ( i.e. {$25.00} for each XXXX miles ). Therefore, my reward was only half of what I am entitled to. I immediately called customer service again, and coincidently, the same customer service agent assisted me. She advised me that she could find no record of the of the original terms of agreement, which was surprising to me, as Barclay administered the Travelocity Rewards Card that I had originally signed up for in XXXX. She then suggested that I submit a letter to request that my rewards be redeemed in accordance with my original credit card agreement. 

I forwarded a letter as a formal request to not only redeeming the miles for the travel that I booked on Travelocity, but also redeeming those points at {$400.00} for each XXXX miles on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I received a letter from Barclay indicating that they were unable to complete my request. I immediately call their customer service department and explained the situation again. They advised me that they understood my concerns and would reevaluate the situation. 

On XXXX XXXX, XXXX, I called to check the status on this request, and they advised me that a letter was sent out on XXXX XXXX, XXXX, advising me that my request was denied again. I immediately closed my account with Barclay.
I missed one payment  XX/XX/XXXX . Then another in  XX/XX/XXXX . In XX/XX/XXXX  I applied for a loan modification after receipt of a " Notice of Intent to Accelerate '' from Selene Financial. Selene claimed to have not received this packet initially, so again in XX/XX/XXXX I resubmitted all documentation via e-mail and US Mail as instructed by the Mortgage Company. Each time I called, I was told some document was missing. They did this until all documents were stale dated. Once again, in  XX/XX/XXXX I resubmitted. This started a vicious cycle I was to familiar with from the last 2 applications. In  XX/XX/XXXX  Selene refused my payment. I sent it back to them. They returned the payment once again, thus making it look as though I did not pay. I contacted the Law Offices of   XXXX   XXXX   and hired the firm  XX/XX/XXXX . I had prepared a new loan modification packet ( # 4! ) to which my attorney submitted, under his firm 's name, and by golly this was approved! I started paying again in  XX/XX/XXXX , continually, in fact I am a month ahead on my account.
On  XX/XX/XXXX , my mother signed for a registered mail from Selene ( even though I am still represented technically ) which happened to be another Notice of Intent to Accelerate! I promptly called Selene, and was informed they can not speak to me because I am represented. I asked to speak to a supervisor and was switched to   XXXX   XXXX  , supervisor of the loan resolution department. He was not only unhelpful, he was RUDE.
I have spent {$3000.00} on my attorney to submit a packet I had done 4 different times. I have paid my mortgage on time, except for 2 times, XX/XX/XXXX  and  XX/XX/XXXX . This company is reprehensible! I consider this harassment at this point.
I wo n't even get into the credit damage this has caused!
What can I do about this? How do I stop this from happening non-stop for the next 30 years?!
Earlier this year ( 2017 ), I discovered that I had been a victim of identity theft. Despite the numerous amount of times that I had been in contact with the bureaus, they would ocasssionally remove the accounts from my report and re-add them back at a later time, which is a violation of the Consumer Fair Credit Reporting Act. Therefore, I considered filing a lawsuit, which I have yet to execute due to the fact that I now have additional evidence and a couple of incidents that were reported to XXXX XXXX Police Dept. and the FBI. 

I would like to get this this information cleared out of my report immediately because it has drasticallly set me back this entire year, which is now coming to an end. 

Thank you and Happy New Year!
This is a reassertion regarding case number XXXX. 

The response from discover was the following : The document provide from XXXX XXXX regarding the fraudulent account has an account number the last 5 digits of XXXX ; however, the balance transfer was completed to an XXXX XXXX account with the last 5 digits of XXXX which is associated with you. 

Response ONE : I had called Discover Consumer Protection Services ( XXXX ) on XX/XX/2018 at XXXX PST calling to prove that the account ending in XXXX did in fact NOT belong to me. This was proven via a conference call with XXXX XXXX account protection services. This was a DIRECT statement from XXXX XXXX. The call duration was 34 minutes and hopefully was recorded on your end. 


CONTINUATION OF THE CASE : I had called again on XXXX XXXX and had spoken with the investigative team and the person assured me my case was still being looked into.

Discover then sent a letter on XXXX XXXX and was delivered XXXX XXXX stating that because there was no new information no further investigation was necessary. However please note on XX/XX/2018 I had provided proof through a 34 minute call with Discover Fraud Services as well as XXXX XXXX that account XXXX DID NOT in any way belong to me. In fact the card was closed long ago to the point where even XXXX XXXX could not give any other information. 

I had even filed multiple credit cards ( including yours ) with identitytheft.gov. There were 3 other cards opened in my name, ALL of which were deemed fraudulent and closed in a timely manner without any penalty. You are the ONLY company yet to provide adequate resolution or reasoning.