WillisBack/dataset-financial-user-claim huggingface dataset:
When I called Navient over a year ago about how to lower my loan payments and apply for loan forgiveness ( because I 've been a XXXX for over 10 years ), Navient 's agent admonished me and ridiculed me for the poor financial decision I made 15 years ago to consolidate my loans. The agent left me on the phone with discouragement and helplessness, and the implication that I should not pursue any financial relief from an overburdening student loan. I then come to learn from widely reported news accounts that Navient was directing students to more expensive financial loan alternatives instead of dealing in good faith. In the news accounts it said that " ... Navient employees, instead, should have steered borrowers to White House-promoted plans that could 've allowed XXXX interest payments based on earning and eventually debt forgiveness, officials said. '' This made me think that the reason the Navient agent left me unresolved was because I was already in a payment plan that they did not want me to change out of.
I had a credit loan through Wells Fargo Dealer Services. My account has been settled for quite some time know, and I have been trying to have Wells Fargo remove this issue from my credit report, but to no avail. During the time I had an account with Wells Fargo I was late with a payment six times, and XXXX time of becoming a sixty day late charge.I had explained to the individuals from Wells Fargo that I had to make a command deciison in making other more important payments such as paying for my mortgage, pay bills, and to buy groceries for my family. I had explain everything in detail to the individuals at Wells Fargo why my payments were late, ( a XXXX initiative act ) but they have flat out refused to remove the bad credit. I am in the process of cleaning up my credit history and can not afford to have this mark on my record any longer. What can I do to remove this unfortunate piece of bad credit from my credit report?
XXXX XXXX XXXX is listed as having been affiliated with Navient ( who is currently subject to a massive law suit ). Also XXXX is listed as having lost its contract with the government as far back as XX/XX/2015. This company is still attempting to collect and harrass borrowers and is attempting to collect undetailed and undisclosed fees that amount to either the loan amount, a third of a total alleged loan amount, or more. There are no break downs. There are no details of origination. There are no copies of assignments, sales, illicit mergers with private loan entities or any other information other than amounts demanded.
I 've been trying to dispute wrong information on my credit report with Equifax and all they keep saying is for me to send them a copy of my driver license and my social security card, that was actually the only time i could get a live person on the line, the other times i tried to contact them the phone would automatically hang up and it wo n't connect me to them, today XXXX/XXXX/17 i tried contacting them and the phone call was redirected into a ads line where all they do is offer me products from their partners, i 'm tired of this process with them i do n't have any issues with any other CRA, i recorder todays call as proof of what i 'm saying is true. i got denied a vehicle loan because my credit came up as XXXX, all other agencies shows my credit number except Equifax, i 'm trying to buy a house and i 'm afraid that if they use Equifax it will also come back as a XXXX because of incorrect information on their side.
I applied on-line for the card, I entered a balance transfer request of XXXX, it was approved on-line, the website stated that balance would be transferred and the card would sent in a few days. Before I got the card I got a letter ( attached ) that said the balance transfer did n't go through because they did n't have the correct address. No other reason was given as you can see on the letter. I called them to give the proper address, at which point they said they would only approve XXXX for balance transfer. I feel like this was a bait and switch scam.
In XX/XX/XXXX, I received a written Annual Escrow Account Disclosure Statement dated XXXX XXXX, 2015 from XXXX XXXX Mortgage explaining that I had too much money in my escrow reserve account. The letter included their Check # XXXX dated XXXX XXXX, 2015 in the amount of {$210.00} with my name as the Payee. I attempted to cash that check on XXXX XXXX, 2015 at a branch of XXXX XXXX XXXX where I have several accounts. After 30 minutes and several phone calls, the XXXX representative advised me that Sierra Pacific REFUSED to honor the check -- the XXXX representative told me that Check XXXX was no good and I had to contact Sierra Pacific to get the issue resolved. I immediately called Sierra Pacific at XXXX and spoke to their representative. She told me that Sierra Pacific was aware of the problem, that there were several accounts with the same issue, and that Sierra Pacific would immediately issue a new check and mail it to me on Friday, XXXX XXXX and I would receive it by Tuesday, XXXX XXXX. On Friday, XXXX XXXX, I again contacted Sierra Pacific at XXXX and spoke to another representative and I learned that NOTHING had been done. I requested to speak to a supervisor and my call was placed on hold -- I remained on hold for 40 minutes. I called back and spoke to a representative named " XXXX '' and she also placed me on hold waiting for a supervisor. I learned that customers requesting to speak to a supervisor were simply put on hold and the majority of those calls were not ever picked up. I was able to convince XXXX to give me their Fax phone number and she also allowed me to leave a Voicemail message in the supervisor mail box. The Voicemail message stated that it belonged to a supervisor named XXXX. I left an informative message in that mailbox. Also, on XXXX XXXX, I faxed my letter to Sierra Pacific Mortgage to their Fax number at XXXX and requested my replacement check to be mailed immediately. I have verification that the Fax was delivered successfully. I have not received the check .. I have not been contacted by any representative of Sierra Pacific Mortgage. This insulting lack of customer service is unacceptable. I want the replacement check in the amount of {$210.00}.
Contacted XXXX, my account rep at Ditch 2 days ago and never received a call back regarding a loan modification. I want to stay in my home, submitted additional documentation that should qualify me for a modification.
I recently received notice from a law firm, XXXX XXXX XXXX stating that a lawsuit was filed against me by XXXX XXXX XXXX XXXX. XXXX XXXX is first attempting to collect on a debt that was discharged in court because they failed to appear in court after I objected to the accused charges. Some time has passed and the debt that is claimed that I owe is now time barred. The statute of limitation to collect debt in Michigan is 6 years. I find it unreasonable for me to have to take off from work to file a counter suit against this collection agency when they are knowingly breaking the rules established by the FDCPA.
Multiple phone calls through the day starting at XXXX and ending sometimes at XXXX EST. Multiple visits to my house and today I was blocked in the driveway by the collector and I told him to leave or I would call the police. These house visits are common and have asked them to stop doing it.
I disputed an amount from a collections agency called Gold Key Credit Inc. and they did n't inform XXXX and XXXX, the credit bureaus that they report to. Every time I pull up things on my XXXX I see this derogatory amount from them on there. I know I have put 'threatened to take legal action ', but so far they have n't but I know that they will in the future. It 's just what collection agencies do, on top of that, they never answer the phone when I want to discuss my case with them.
School XXXX Lender NAVIENT PRIVATE LOAN TRUST Disbursement Date XXXX/XXXX/2005 Original Principal {$8600.00} COSIGNER XXXX XXXX XXXX I asked for a student loan for career training on the promise that I would have a " good paying job before I finished the 6 month course '', but the reality was different, had to look for a another job not related to training.
Toyota Motor Credit is reporting that my auto loan was delinquent in XXXX of 2017. It was not. I have asked Toyota to correct this mistake on my credit report, but they refuse. I am attaching a copy of my payment history on this account, which clearly shows that the account was not delinquent.
I have been charged a {$5.00} late fee from Chase Auto, every month since last XXXX. They changed my due date even though they say they didnt. My auto loan was always due at the end of the month and all of the sudden it was due the XXXX of each month, Chase said we changed it online, but my husband nor myself have ever requested to change the date, I tried to explain that there must be a mistake, but it was to no avail. I have inquired about it several times but Chase refused to change it back, so my husband and I paid in the middle of the month as our mortgage is due at the beginning of each month. I have explained this to Chase multiple times, but again they wont change the due date back. Well, on my last statement I had a random {$55.00} extra on my bill, when I inquired about it, Chase stated it is a late fee of {$5.00} going back to last XXXX. I stated that I have been paying {$320.00} every month ( our note is {$310.00} ) to include the {$5.00} late fee, so that I already had paid the late fees. I however, paid the {$55.00} late fee because they were calling my husband and myself threatening us over {$55.00}. So as to be sure we didnt have any past due balance, I went ahead and paid the {$55.00} extra, and decided I would take it up with Chase after it was paid. And, I did, Ive documented with screen shots- the {$5.00} fees they placed on our bill every month since last XXXX. I also documented, highlighted and sent the {$55.00} fees that were charged to our account, and paid, along with the proof of fees charged, going all the way back to XXXX 2016. I dont know why this is so difficult for Chase to correct, Ive literally sent them documented proof from their own website three times now, they claimed I would get a descision by XXXX XXXX, but I have gotten no emails, calls or mail correspondence from them as promised. There is no credit on my account either. We have been more than patient, but Chase is attempted to steal {$55.00} from us- on top of that they charged us twice in a month, a late fee of {$5.00}, so they actually owe us {$65.00}. I explained and showed them my payments, and pointed out that if they werent paid, I would have a past due balance still, of {$65.00}, If I hadnt been paying the late fees all along. I currently have no past due balance, so really this is all quite simple. Refund is the fraudulent {$65.00} you stole from us, as Ive sent all the documented proof. I am willing to admit when I am wrong, and will accept if I am, but Chase is wrong here, and I have the documented proof.
I aske d BMW to  verify the account and they still have not even afte r    XXXX certified mail request to do so, I currently have a lawsuit against them, as well they marked my account late 30 days several times and I never got notifications but by the credit reports after the fact, I have not seen the car for 2 weeks after purchase as I was a s upposedly a co-signer, they also failed to place on my credit report that the account has been disputed by me.     I also have lawsuits agains  XXXX ,  XXXX  and  XXXX  for not doing anything about this unverified account even though they have been told about it via certified mail numerous times and they have not responded to any of my letters for verification as well
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months. XXXX and XXXX have deleted them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''
I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from TransUnion, A copy of this dispute will be used as evidence if needed. The following information is being reported inaccurately, falsely and unfairly by TransUnion. XXXX XXXX ... On XX/XX/2018, I wrote TransUnion directly and once again provided them with additional information proving the inaccuracies with the XXXX XXXX listing. Once again they did not reinvestigate or send me results of the dispute within the 30 day FCRA time frame. Attached you will find copies of the letter and the proof that TransUnion received the dispute. A copy of this complaint as well as past CFPB complaints on TransUnion is going to the FTC, Illinois Attorney General, New York Attorney General, XXXX XXXX XXXX and my legal counsel.
XXXX XXXX XXXX RE : Regarding a Reported Delinquency. 
To Whom It May Concern, My name is XXXX XXXX, and my account number is XXXX. I have been a satisfied customer of XXXX XXXX for years. 
Your outstanding customer service is the reason Ive remained a loyal customer. Ive always considered it a priority to make all my payments on time. Unfortunately, when my father died I fell short. I was over a month late with a payment. 
I had been carrying a sizable balance for several months. Then, I finally paid off the full balance. When I received my statements and, I simply discarded them without even opening them because I assumed they would show a XXXX balance with no payment due. It never occurred to me that there would be a finance charge from the last month that carried a large balance. 
I wish I had taken a moment to just open and read those statements. That was a big mistake, and I can assure you it wont happen again. From now on, I will always open every piece of mail that I receive from you. I recently opted into email alerts just to provide an added layer of redundancy. 
Your records will show that in 2015 was the only time I was late. I had never been late with payment until this unfortunate oversight. I have been prompt with the past two monthly payments since getting caught up. 
As a long-time customer in good standing, I respectfully request that you apply a goodwill adjustment to remove the late payment from my file. Please help me this is hurting me financially. 
Thank you very much for your consideration,
about XX/XX/XXXX we bought a car from XXXX 's XXXX in XXXX XXXX WA. The manager XXXX, The car was not properly safety checked and we spent {$2800.00} in repairs for suspension work. They told us the tires were bad and we found out there was serious safety issues with the suspension. We were also told that the lights on the speedometer were out and the bulbs needed to be changed. When we removed the speedometer and we found there was fire damage and the dealer told us to replace it and they would pay for it. We kept the bad speedometer in the back of the car for proof. the dealer said they would notify the warranty company of the change so the warranty we paid for would be kept in good standing. We found out later that the dealer did not do this. When submitted the {$2800.00} to the warranty company they denied the claim saying it was fraudulent due to the speedometer change. The transmission started to give us trouble and the dealer would not help with it. they were responsible for the warranty being cancelled and told us to take it up with the finance company. the finance company, XXXX XXXX companies denied to help us. we then told them to come and get the car as we were no longer going to pay for this lemon. they picked it up in XX/XX/XXXX as the dealer refused to accept the return. Were contacted by letter from XXXX XXXX that they had sold the car for {$6500.00} and we owed them {$1900.00}. We explained to them we had spent {$2800.00} on the car and we would call it a wash if they would accept it. The Lady we spoke with, XXXX, said that would be fine and she would send us a letter to that fact. We never received that letter. In XX/XX/XXXX XXXX XXXX reported on our credit report we owed them {$9500.00}.
I am trying to get a loan and when I went to my mortgage person they have pulled my credit and told me there was nothing they could do because my current mortgage was reporting a bunch of late payments throughXX/XX/XXXX -XX/XX/XXXX.  However I have proof that I made all of the payments and I pulled my payment history to show it and it shows every payment being made on time. So I have tried to call OCWEN and each time I get routed to a voicemail and never get anywhere. I am at my wits end and am pleading for someone to get this resolved. My pay history is matching the account number of the credit report that shows me in error so they match up. Please help get this resolved. 

XXXX XXXX XXXX XXXX XXXX
INDY MAC WAS MY LOAN SERVICING COMPANY FROM THE DAY I ORGANICALLY BOUGHT MY HOME BACK IN XXXX OF XXXX I HAD SIGHED TO BE IN A 3 YEAR ARM AT XXXX INTEREST RATE AT THE END OF THE THREE YEARS THEY HAD ME SIGN PAPER WORK TO GO ON A FIXED RATE OF XXXX XXXX I WAS INVOLVED IN AN ACCIDENT THAT RESULTED XXXX AND I WAS UNABLE TO WORK FOR THE PAST 4 YEARS THAT CAUSED ME TO FALL BEHIND IN MY PAYMENTS, TIRING HARD NOT TO DEFAULT IN MY MORTGAGE SINCE I HAVE XXXX MINOR CHILDREN SO I REQUESTED A MODIFICATION INDY MAC PUT ME ON A 3 MONTH TRIAL PERIOD STARTING XXXX XXXX IN THE TRIAL PERIOD INDY MAC TRANSFERRED MY LOAN AND PAYMENTS I MADE TO OCWEN. 
OCWEN CASHED MY CHECKS FOR THE NEXT XXXX PAYMENTS BUT NEVER SHOWED ANY CREDITS TOR WARS MY ACCOUNT. 
I HAVE CONTACTED THEM ABOUT THIS ISSUE A NUMEROUS TIMES THEY AVOID MY QUESTIONS AND ASK ME TO REFINANCE EVEN THOUGH THEY KNOW I AM UNEMPLOYED JUST SO THEY CAN COVER UP THE MONEY THEY TAKEN THAT THEY CAN NOT ACCOUNT FOR WHICH IS ABOUT $ XXXX.ADDED XXXX MORE YEARS ON THE LIFE OF MY LOAN I HAD MADE PAYMENT FOR 10 YEARS WITH NO DEFAULT I WAS DOWN TO 20 YEARS LEFT ON THE LIFE OF MY LOAN NOW I AM AT A 40 YEAR LOAN MAKING MY OUTSTANDING LOAN AMOUNT SIGNIFICANTLY LARGER THAN MY OUTSTANDING BALANCE AND NOT SHOWING ME WHAT THEY DID WITH THE XXXX PAYMENTS OF {$2.00} BUT REPORTING TO THE CREDIT BURIALS ABOUT LATE PAYMENT WHICH ARE FALSE SENDING ME A FALSE TAX RETURN THAT SHOW NO PAYMENTS MADE XXXX AND HALF OF XXXX. AND SHOWING THAT I AM BEHIND ON MY ESCROWS. PLEASE LET ME KNOW WHAT I CAN DO. 
THANK YOUXXXX XXXXPLEASE
Hard inquiries have been appearing and disappearing from my credit report through 2016. 
Hard inquiries were inserted without prior written notification - XXXX inquiries that I am enclosing. 
Also, hard inquiries were inserted without permissible purpose. For example, I never gave any permission to XXXX BANK & XXXX via XXXX BANK AND TRU. Nor is it clear why are there other hard inquiries. 
I 'm requesting permanent removal of inquiries from : XXXX XXXX XXXX via XXXX XXXX XXXX XXXX via XXXX XXXX BANK DELAWARE XXXX BANK XXXX XXXX via XXXX BANK AND XXXX THE XXXX XXXX CO via XXXX XXXX XXXX
discover bank closed my credit card 5-6 months ago, I just submitted an application today but got rejected because Discover bank said I had a closed card with discover ( discover closed my account without any explanation ). I feel this is a violation of Equal credit act.
I have been in foreclosure for about 16 months, in which time I have tried diligently to get a modification, my current rate is very high and the bank has refuse to modification my loan because there equity in the property. they have time and time again ask me to refax document and I have already provided to them only to tell me after 14 months that the loan can not be modified because there is equity in the property.
XXXX XXXX XX/XX/XXXX Fraud XXXX XX/XX/XXXX Fraud XXXX XXXX XX/XX/XXXX Fraud XXXX XXXX XXXX XX/XX/XXXX Fraud XXXX XX/XX/XXXX Fraud XXXX XX/XX/XXXX Fraud XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraud XXXX Fraud XXXX XXXX Fraud XXXX XXXX Fraud XXXX Fraud XXXX Fraud XXXX Fraud XXXX XXXX Fraud All of these inquiries on my credit report were obtained fraudulently.
I checked my credit via XXXX XXXX and several other credit apps on or around XXXX XXXX, XXXX. There were no inquiries listed on my credit report due to being removed. I checked my credit again via the same apps on or about XXXX XXXX, XXXX and the removed inquiries were put back on. I have called several times a day since and the reps refuse to allow me to speak with a supervisor or to be transferred to the offices in America. They reps have been belligerent and hung up, some have told me too bad, and others have told me that they will be the only office I reach should I continue to call and that I was wasting time.
Costco switched credit card providers from XXXX XXXX to Citi Bank ( Costco Anywhere Visa ). This transition happened in XXXX of 2016. My first bill from Citi was for {$1000.00} with no detail of the transactions. I called Citi SEVERAL times in XXXX and XXXX and they said they were NOT able to provide any detail but I needed to pay this bill to keep my account current. I did use this card for a few transactions in XXXX and XXXX but destroyed the card once I realized that Citi Bank was a really bad vendor. Citi Bank proceeded to send me the same initial statement for {$1000.00} in XXXX and XXXX On XXXX I got a new bill for about {$1600.00} but again no detail of the transaction. 

I have called Citi at least 15 times to try and resolve this and the customer service is totally inept to help me. I have sent the company XXXX letters saying that I disputed this charge and they respond with a form letter saying I should contact them about paying my delinquent account. Now they are saying they are going to put may account into collections and I am delinquent. 
I have never not paid a bill or been late on a payment. I feel that Citi Bank has been very heavy handed in saying that they can not provide any details about my the bill but I need to make a payment to keep my account from going to collections.
My SSN, DOB, full address and driver 's license have been stolen from Equifax 's database. This is outrageous, as they are the ones that are supposed to protect this data. I am now at risk of identity theft and fraud, because they did not properly protect my personal and very sensitive information.
On XX/XX/2018, my application for discharge of my federal student loan was approved on the basis of my XXXX XXXX  XXXX   XXXX, and canceled my obligation to repay the remaining balance. Please see attached letter. The letter states that a total of {$300000.00} was XXXX. 

Following my receipt of this letter XXXX XXXX and XXXX  reported that the loan was closed and reflected a XXXX balance. This raised my credit score to over 800 and " Exceptional. '' Experian continued to reflect the balance was over {$330000.00}. I filled two disputes with Experian. Both times the results came back with a higher balance and lowered my credit score by more than 30 points. When I called Experian they said I needed to deal with the lender ( XXXX XXXX ) directly. When I called XXXX, they said, " The process takes a very long time, but the loans have been discharged. '' Now All three credit bureaus reflect the XXXX account is open, with a balance of {$330000.00}, which is higher than what my XXXX balance relfects on XXXX 's website - {$330000.00}, which has not changed since XX/XX/2018, and is in fact incorrect. 

My question and complaint is, how and why did the account show closed and a XXXX balance with XXXX XXXX and XXXX  and never with Experian? 
Why now, do all three agencies report a balance of {$330000.00}, causing my credit scores to drop considerably, when in fact the loan has been discharged since XX/XX/XXXX and a balance of XXXX should be reflected on all three credit reports?