WillisBack/dataset-financial-user-claim huggingface dataset:
Chase has not helped us in the proper way. They did not follow the XXXX programs which I clearly qualified for. I checked the XXXX calculator with many other Real Estate, Banks, and Finance companies and they all told me the same. Chase should of tried to help me by reducing my APR ( Annual Percentage Rate ) from what I had for years of 5.625 % to 2 %. They basically have just given me an internal XXXX XXXX Modification that it 's meant for me to fail twice. XXXX in XXXX and the other in XXXX. I was on XXXX for the past 2 years and they placed me on a trial payment under {$1500.00} and all of a sudden they set me up on a payment of {$2100.00}. Please review all the documents and let me know what you can do. This has gone on for more than 5 years. I do not want to loose my home. I have sold most of my belongings and borrowed money to keep up with my bills and payments. Thank you for your cooperation.
XXXX and XXXX after court date and again in XX/XX/XXXX. Iexplain to rep that I could not payment a large payment they was requesting and was advised to make good faith paymrents would prevent further action. my hours were cut and I am struggling to work due to health issues along with I am caregiver for my mother. I was n't able to send anything for a 3 months and I sent XXXX pymt in XX/XX/XXXX. I have sent several letters to them over the past year asking for reduced payment arrangement and proof of balance. No one can provide detail of where this balance contained. I feel being served a wage garnishment in the mail and I called again today and told they ca n't set up payment arrangement for less than {$63.00} a month. If I had an extra {$63.00} I would be paying that. I am working approximately XXXX hours a week at XXXX an hour and odd jobs and i have sold numerous items. I have n't ran from them and they refuse to work with me instead taking legal action forcing me to be stressed out and feeling threatened. If they do take money from my checking or pay check it will cause my mother and I to go without medicines and food and no transportation for doctors appts or the few hours I am allowed to work. I owe the IRS, VA Taxation, Student Loans, Rent, car payment I am getting ready to lose, car insurance, etc etc. I have asmall craft business but I do n't have the funds to even by fabric to resell or pay for my XX/XX/XXXX license. I feel I will be forced into BK and I ca n't afford that either. I have XXXX dollars in a checking account and another overdrafted I am trying to pay before the IRS comes after me. I am the caregiver for my mother and the little funds I make mostly go to food and medicines. Can someone please ask them to work with me? I ca n't handle the pressure of them not working with me. I owe the debt I do beleive the amount is wrong from the beginning but no one will help me and I want to pay this as bad as they want me to. Can you help me?
Case number : XXXX USAA Closed my checking account and caused my insurance to lapse due to their not telling me the policy was close to the end. Instead they send me a letter stating I must send them money including charges which I paid. I never received a policy that I had asked XXXX XXXX to send to me/ Nothing was ever given to me from USAA or XXXX XXXX . I paid the money for the policy should I not have a copy of what I have paid. 
USAA paid {$2000.00} to the hospital I was in after an accident that totaled my vehicle. 
I feel this was not correct as the policy I had stated the funds should be paid directly to me. 
When the party came from USAA I was XXXX. I was moving a small refrigerator into my bedroom. The refrigerator was very light. Yet your party ran off. 
I would have expected that person to at least identify themselves. XXXX. 
While XXXX is when that party called and told me they were glad to be rid of me. To me calling while I am suffering is not good.
I 'm using the Annual Credit Report site with no way to contact any of the XXXX credit companies except by mail. NO PHONE NUMBERS OR CHAT OPTIONS!! When I completed my application, I got a msg that I had already received an credit report from XXXX. When I requested a report from Equifax the little 'computer is thinking ' circle went on forever. I tried two different days to no avail. I searched for recent reviews online and saw XXXX other similar complaints within the month of XXXX 2015. This is unacceptable service. Please look into this. Thank you.
XXXX XXXX has incorrectly reported a late payment on an account that they refuse to correct despite numerous attempts to remediate via the local branch and the corporate credit office. I have bank statements from my account and have been provided a payment history from XXXX XXXX which clearly show 2 payments made in XX/XX/XXXX negating the need for a payment in XX/XX/XXXX. Several employees including the branch manager, XXXX XXXX, have agreed that the reporting is inaccurate and have assured me that they will get it corrected yet months upon months continue to go by with NO results. I have filed credit disputes with all 3 bureaus two separate times ( XX/XX/XXXX and XX/XX/XXXX ) and they keep stating the account information is updated yet payment history is still showing a 30 day late payment. 

After the first promise from XXXX XXXX that this would be handled and the ball was dropped I made it clear that I expected it to be handled for certain this time around to which he guaranteed it would be and was confused as to why it wasn't corrected. He then passed the buck to another employee XXXX XXXX who has been in contact with the credit department to get this resolved, all to no avail. I keep getting lip service that someone will handle it and it's not happening. It's been over a month now that I've been promised from XXXX and XXXX that someone will correct the reporting and I have no answer. This is despite the fact that they assured me it would be quicker to have them handle it directly with the credit department rather than going through the credit department myself which I was told had a timeline of 30 days which I made clear was unacceptable considering I'd been trying to have this handled since early XX/XX/XXXX. 

The company is violating credit reporting laws by continuing to report this payment as late. My next step is contacting the Attorney General to get results as this is negatively impacting my credit portfolio.
On XX/XX/2018 @ XXXX I had checked my bank account to confirm my balances and I had a large positive balance. No fees. 

On XX/XX/2018- 4 transactions hit my account at same time. At about XXXX, the processed a {$850.00} check, a bill pay on a utility, direct deposit and overdraft fee. 

To me the overdraft fee shouldn't have been applied because despite the bill transactions including the direct deposit there was more than enough money available to cover both transactions.
My XXXX credit card account has been paid off, and my credit report still shows a balance and that it is delinquent which it never was.
XXXX XXXX .... {$300.00} ... XXXX XX/XX/XXXX ... .Please provide original documentation from this company or parent company where I allegedly signed or e-signed asking for a credit account. It has been multiple times explaining that this was not me. Original documentation has not been sent yet. Please do not send copies of a bill I explaining that my identity was compromised XXXX   XXXX XXXX .... {$300.00} ... XXXX XX/XX/XXXX ... .Please provide original documentation from this company or parent company where I allegedly signed or e-signed asking for a credit account. It has been multiple times explaining that this was not me. Original documentation has not been sent yet. Please do not send copies of a bill I explaining that my identity was compromised XXXX   XXXX XXXX  .... {$300.00} ... XXXX. XX/XX/XXXX ... .Please provide original documentation from this company or parent company where I allegedly signed or e-signed asking for a credit account. It has been multiple times explaining that this was not me. Original documentation has not been sent yet. Please do not send copies of a bill I explaining that my identity was compromised XXXX XXXX, XXXX ... XXXX XXXX XXXX XXXX ... XXXX {$430.00} ... .I am a XXXX XXXX XXXX veteran, all of my care is FREE from the V.A. Clinic. There is no reason for me to go to a private urgent care clinic. Please provide original documentation from this company or parent company where I allegedly signed or e-signed when i was seen. Please do not send copies of a bill I explaining that my identity was compromised. 

XXXX XXXX XXXX XXXX .... {$670.00} ... .XX/XX/XXXX ... .I have had XXXX XXXX for years. Please provide original documentation from this company or parent company where I allegedly signed or e-signed asking for a cable account. Please do not send copies of a bill I explaining that my identity was compromised. 


UNKNOWN INQUIRIES ACCESS/XXXX ... .XX/XX/XXXX ... .I did not give permission for this company to run inquiries on my credit report. Please provide dates and times where I gave permission to run a hard inquiry on me. Please provide original documentation from this company or parent company where I allegedly signed or e-signed asking for inquiries to be done. 

XXXX/XXXX  ... ..XX/XX/XXXX ... .I did not give permission for this company to run inquiries on my credit report. Please provide dates and times where I gave permission to run a hard inquiry on me. Please provide original documentation from this company or parent company where I allegedly signed or e-signed asking for inquiries to be done.
On XX/XX/18, I asked for my loan to be recalculated to a different IDR plan. I had an income change, and also hoped hoped to go from an IBR to either a PAYE or REPAYE plan. I specifically DID NOT check the box stating that I wanted to go into forbearance because I do not want my interest to capitalize. I wrote a letter along with the application clearly stating that I did not want to go into forbearance, so there would be no confusion. The paperwork states that one month of a standard payment rate would be necessary, but it does not state that forbearance is required.

I received two letters on XX/XX/2018 in the same envelope. The first letter said my loans were placed in forbearance and that I must pay a reduced standard repayment for one month, which is listed as XXXX. The next letter was a disclosure of repayment terms, which is not based on any IDR plan, and suggests that I will be paying around {$520.00} per month, and that I could apply for an IDR plan. Neither of these are what I requested, and neither is acceptable. 

This is the second time I have been mistakenly placed into forbearance, and it will be the second time that my interest was incorrectly capitalized. This is at least the fifth letter I have written to CFPB for assistance. I no longer reach out to the servicer, because when I have in the past, the issue does not get resolved. There is a reason I have chosen to pay my loans under IDR, as I make very little. As a public servant seeking PSLF, I have very little room for financial fluxuation, and zero willingness for an extra {$5000.00} dollars to be added to my loan every time my paperwork is misread. So I am reaching out again to CFPB requesting assistance.
I have tried to contact Equifax on many occasions about unauthorized inquiries on my credit report. Ive called for months, Ive spoken to numerous representatives, but they are insisting they do not removed inquiries from credit reports. Ive contacted every company that was listed on my report and I was informed to dispute it through the credit bureau. On three occasions Ive disputed my information that was on my credit report and was informed that they were factual. This is not true. There was a credit card application for XXXX XXXX that was attempted to run in my name that appeared as an inquiry on my credit report. I then XXXX the name of the company and informed them that I was not the applicant. XXXX XXXX did tell me that they were going to remove the application, and also forward the request to the credit bureaus. After disputing it yet again from my credit report, it came back factual again. I then contacted Equifax and told them that I gave a letter stating exactly what XXXX told me and yet still was not successful. There are nine inquiries from XXXX XXXX on my credit report and again. I called the bank and told them that Equifax will not remove the inquiries off my credit report and was told from the credit bureaus that they are not linked to any account. XXXX told me to dispute them through the credit bureau and yet again, they came back factual. My bank told me that the credit bureau can dispute them and they will fall right off. I have one inquiry from XXXX XXXX that is NOT mine and yet again Equifax was no help whatsoever. I also have four inquiries from XXXX that are not linked to any accounts and yet still Equifax was no help. For months I have been trying to rectify these unauthorized inquiries and have been turned down. After contacting each creditor, I was told to contact the credit bureau. The only way I was able to get some type of document from XXXX was because I had to beg. That is very degrading. And after receiving the letter I tried to fax it into Equifax, they told me that inquiry could not be removed. I then tried to dispute, and was still not removed after having proof! This is absurd! For months I have been dealing with the run arounds, and the misleading information Equifax has giving me. There needs to be some type of resolution to this issue because its damaging my credit worthiness.
Since I graduated college in  XXXX  I have paid over {$20000.00} just in interest with principle remaining almost the same amount. In  XXXX   XXXX  I finally reconsolidated my student loans with  XXXX   XXXX . I recently told them about my situation and they said the numbers do not add up.
On XXXX XXXX, XXXX, USAA FEDERAL SAVINGS BANK, wrote to exercise its option to close Checking Account XXXX registered in the name of XXXX XXXX XXXX . USAA had changed my ownership registration of the account in XXXX XXXX for the vague reason that I did not qualify as the registered owner of a USAA account. They printed new checks showing the new registration. However their letter was addressed to me, not XXXX XXXX ( see attached ). 

Neither XXXX XXXX nor I owed USAA money. We were not insured by USAA Our Credit Cards had a zero balance and continued in good standing. On closing the account, USAA confiscated the funds in XXXX XXXX 's accounts which had a combined balance over {$900.00}, citing their Deposit Agreement as authority to close accounts and offset funds on deposit. There was nothing to offset. Where did the money go? 

Phone calls to USAA for an explanation for confiscation of XXXX XXXX 's funds were met with obfuscation and prevarication : in XXXX call I was told that XXXX XXXX 's account was closed because of an issue with their Property and Casualty Department. When XXXX XXXX called for clarification, she was told the bank accounts were closed by the Credit Card Division. To avoid misunderstandings, it became clear we had to avoid telephoning USAA and instead document our contacts and their response using XXXX, XXXX, and XXXX letters as a legal necessity. 

I sent a XXXX letter to USAAXXXX on XXXX XXXX and a Certified follow-up on XXXX XXXX pointing out that the accounts were registered to XXXX XXXX not me. XXXX/USAA did not reply. 

To get a USAA response, XXXX XXXX was obliged to file a complaint ( Case XXXX ) about USAA with the Consumer Financial Protection Bureau on XXXX XXXX, XXXX. Via the CFPB, USAA replied : " XXXX checks, {$160.00} and {$800.00}, made payable you and to XXXX XXXX had been mailed on XXXX XXXX, XXXX. '' XXXX XXXX challenged USAA 's infallibility and asked for proof/substantiation that a check had in fact been issued and mailed ; had it been cashed? A copy of her response was also directly XXXX XXXX to USAA. USAA received the letter but did not did not reply. 

It appears that USAA kept the {$900.00} + without explanation, asking us to believe that " the check is in the mail. '' Equally troubling, USAA deleted the checking and savings accounts from their web site. 

USAA has had at least 8 months to research their response : Where is the money?
I informed them I had become XXXX. I have asked for, and sent all documentation that Social Security has provided me. I qualify for student loan debt forgiveness due to just my XXXX, not counting current new conditions. They say they work for the Government, yet they can not look up my name nor Social Security Number and speak to THEIR colleagues about how to do THEIR JOB! It states it in black and white on the walls.They keep stating that Social Security and DCF are not providing them with the information they need to make the determination. Everything we send they state it isn't good enough.If they work for The US Department of Education, then why don't they deal with each other and leave me alone?
On XX/XX/18, I checked my credit score with Experian ( as I do daily with every bureau ) and noticed that it had dropped by 15 points. One of the negative factors displayed was a recent missed payment of '1 month ago ''. 

On XX/XX/18 I called the Experian Dispute center to question the information because my report does not show a missed payment since XX/XX/2018. The agent informed me that in XX/XX/2018, when I paid the full balance of a closed XXXX XXXX ( XXXX ) account ( over {$6500.00} ), it was reported as a 'paid, charge off ' and that the " credit reporting system automatically counts that as a late payment ''. I expressed my dissatisfaction and concern with that answer and the agent advised me to start a dispute with XXXX, which she initiated on the phone for me. 

On XX/XX/18, I received a notification that the dispute was settled, so I logged into check my score and saw that it had dropped another 13 points. I saw that now one of the negative factors said that I have a recent missed payment of " 0 month '', or as of the day the dispute was settled and the account was updated. 

On XX/XX/18, I first called XXXX to see if they could change the charge off status of my XXXX payment, and they informed me that they could not. I then called the Experian Dispute Center and explained to the agent how it is both unfair and inaccurate that now that the XXXX account has an update of XX/XX/2018, their algorithm thinks a missed payment was reported on that date, and my score suffers the consequences. The agent did not offer any assistance other than sending me a copy of my report, which I already have. 

My issue is with Experian and their credit reporting algorithm. My FICO score with Experian is 82 points lower than my XXXX score and 54 points lower than XXXX. This has been consistent for several months now. There is clearly a discrepancy with their system and I, a paid customer, am suffering the consequences. Relying on and blaming an algorithm, as the agent did, is an insufficient and, frankly, cowardly way to handle customers. Unfortunately, I will not cancel my membership because I have to know what my Experian score it because some credit companies only use that score to determine eligibility. This is a unfair and unfortunate trap.
On XX/XX/2018 I sent a correspondence to Experian via certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX ) it was received on XX/XX/2018, even though the recipient of it failed to sign for it, but according to the tracking it was received. The correspondence was in regards to an account ( XXXX XXXX XXXX   ) on my credit report, that shouldn't be on my credit report. This account is listed as a negative charge off, when it shouldn't be list on my credit report at all. I attached my police report to the correspondence and had my documentation notarized. I am attaching all documentation sent on XX/XX/XXXX, to this complaint. I am also attaching the correspondence from the alleged creditor i.e XXXX XXXX XXXX   where they admit that I was not responsible for another account after an investigation ; this current alleged account is no different ; I am not responsible for it nor is it mine ( XXXX XXXX ). Per FCRA 605B ( 15 USC ss 1681 c-2 ) they have 4 business days to remove the account/item after the police report is received. It has been more than 4 business days since it was received on XX/XX/2018.
Hello and thank you for your assistance in advance with this sensitive request. 

I have been a victim of fraud and placed a fraud alert on my credit reports with all three bureaus on XX/XX/XXXX. The fraud began in XXXX apparently and I have since tried to take precautions on protecting my credit from being compromised from unauthorized accounts and inquiries. I have paid over {$420.00} to credit monitoring websites and to certifying and notarizing documents to send to each credit bureau and the creditors with no luck. 
On XX/XX/XXXX, I submitted to all three credit bureaus a signed and notarized document and certified it to XXXX, XXXX and Trans Union. On XX/XX/XXXX, I received confirmation that all three credit bureaus, XXXX, XXXX  and Trans Union signed for my certified documents. In compliance with the Fair Credit Reporting Act of 15 U.S.C. 1681, Section 611, the credit bureaus have 30 days from receipt ( XX/XX/XXXX ) to  investigate and/or remove and block the fraudulent accounts/inquiries. 

It is now XX/XX/XXXX and there has been no response or update on my credit report honoring my request to remove the unauthorized and fraudulent inquiries from my credit reports. This unresolved issue is hindering me from being able to apply for a new home loan and a new car so that I can be able to provide for my family. 

I am requesting the help of the Consumer Financial Protection Bureau to resolve this urgent matter and be done with this once and for all please.
I arranged an automatic payment to pay my student loan payment to Discover Student Loans. I authorized ONE month payment. It was due XXXX XXXX and I had to wait to get paid on XXXX XXXX. It was late, but I scheduled it to pull from my account with my next payroll direct deposit. The next payment is not due until XXXX XXXX. I did not set it up as an automatic payment, but a one-time payment. They withdrew the month 's payment I authorized as agreed, AND they then took a second payment from my checking for a slightly higher different amount. The monthly payment due was {$310.00} and I authorized this amount. They stole an unauthorized amount of {$310.00}. They overdrew my account. How can a bank do this? What recourse can you take against Discover Student Loans to police a this student loan financial institution from stealing money from my checking account without authorization? I am one XXXX, and they are a large financial institution. They know their customers are young individuals without resources to battle them.
On XX/XX/2018 i received a notice from XXXX XXXX that a hard inquiry had been made on my credit history. The inquiry was listed as XXXX/XXXX date XX/XX/18.. Supposedly from XXXX XXXX using Transunion credit service. XXXX said to contact XXXX, they said to contact Transunion. Transunion gave me a phone number that didn't do anything. XXXX said not there problem, call Transunion, etc., etc.. they say i need a letter of removal but no one wants to give it to me as it is " not there fault ''. Please help.